Abandonment

You can’t simply dump damaged property on the insurer and demand a total-loss payout. Most policies specifically forbid abandonment — the insurer decides whether to repair or total it.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.