What should I do immediately after an incident to preserve insurance coverage (notification, evidence, mitigation duties)?

The hours and days after a loss often decide whether a policy pays. Coverage can be forfeited not because the underlying claim was invalid, but because notification was late, evidence was lost, or a policyholder failed to take reasonable steps to limit the damage.

For a senior executive, this is a governance exposure: a recoverable loss quietly becoming an uninsured one. This report explains how post-incident duties operate in your chosen jurisdiction and industry, and the notice and mitigation obligations that attach to common policy wordings.

It covers the documentary trail insurers expect, the warning signs that a claim is being prejudiced, and indicative recovery shortfalls drawn from published disputes, with guidance on when to engage coverage counsel and a broker before commitments are made. It frames research, not legal advice.