When disaster strikes—whether it’s a burst pipe, fire damage , or monsoon flooding —your first priority is safety. Your second? Protecting your property from further damage. That’s where the concept of “ reasonable repairs ” comes in.

At Riseson Insurance , we work closely with homeowners and property managers throughout Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler to help them understand their responsibilities during a claim —and ensure they don’t get caught off guard.

Reasonable repairs are temporary or necessary fixes you make immediately after a loss to prevent further damage to your property. These are not full restorations, but steps taken to mitigate loss while you wait for your official claim to be processed.

Tarping a roof after storm damage Boarding up broken windows Shutting off water and repairing a pipe to prevent more flooding Removing water-soaked carpet to prevent mold growth Calling an emergency service to secure the property after a fire

These actions are generally expected by insurance companies and are often reimbursable under your homeowners or property insurance policy —as long as you document everything properly.

Failing to make reasonable repairs can result in denied claims or reduced payouts. That’s because most policies contain a clause that requires policyholders to take steps to prevent further damage after a loss.

For example, if a monsoon damages your roof in Phoenix, and you delay tarping it, your insurer may not cover water damage caused by rain that enters afterward.

At Riseson Insurance , we advise our clients in Scottsdale, Gilbert, and across the Valley to act quickly—but wisely—when dealing with property damage.

Here’s what to do if your property suffers damage:

Take photos/videos of the damage immediately Make temporary repairs only—don’t start full restoration before claim approval Keep all receipts for materials and emergency services Notify your insurance agent as soon as possible Stay in communication during the claim process

Need help knowing what’s considered “reasonable” in your situation? That’s what we’re here for.

Every community faces its own risks, from extreme heat and haboobs in Tempe to flash floods and wildfire threats near Tucson. At Riseson Insurance, we understand local conditions —and we’re here to walk you through your responsibilities before and after a claim.

Whether you live in Chandler, own rental property in Gilbert, or manage a second home in Scottsdale, we’ll help you protect your property and your finances.

Don’t wait until disaster hits to learn about your responsibilities. Let our team help you understand your coverage, your duties, and how to make sure your claim goes smoothly.

Call Riseson Insurance today at 602-460-5470 for expert guidance, fast quotes , and personalized insurance service across Arizona.

What Are Reasonable Repairs?

Examples of Reasonable Repairs:

Why They're Important (and Often Required)

How to Handle Reasonable Repairs

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• Tarping a roof after storm damage
• Boarding up broken windows
• Shutting off water and repairing a pipe to prevent more flooding
• Removing water-soaked carpet to prevent mold growth
• Calling an emergency service to secure the property after a fire

1. Take photos/videos of the damage immediately
2. Make temporary repairs only—don’t start full restoration before claim approval
3. Keep all receipts for materials and emergency services
4. Notify your insurance agent as soon as possible
5. Stay in communication during the claim process