Why was Janet's claim denied after her roof was damaged during a storm?

Janet's claim was denied due to her failure to make a reasonable effort to protect her property from further damage after the initial incident. In the event of damage during a storm, policyholders have a duty to mitigate their losses. This means they are required to take appropriate actions to prevent additional harm, such as covering a damaged roof with a tarp or moving belongings away from further water exposure. If a homeowner does not take reasonable steps to limit damage following an incident, insurers can deny claims based on the policy's stipulations regarding the insured's responsibilities.

In this scenario, the other options do not accurately address the specific reason for denial related to Janet's obligations as a property owner. For example, while some insurance policies may limit coverage for certain types of damage, the main focus of the question revolves around the actions Janet took after the initial storm damage. Thus, the emphasis on her obligation to prevent further damage clarifies why that particular choice accurately reflects the situation leading to the claim denial.