The work seeks to reveal, through theory and practical examples, what conduct an insured could commit so that the insurer would stop paying him compensation, due to an eventual loss of the property insured at the time. Would it be possible for the insurer to refuse payment because of the insured's alleged careless behaviour? Does the insured have a legal duty, in the event of a claim, to at least try to reduce the damage already realised to his property? The following lines seek to address these topics in order to elucidate everyday behaviour in the face of jurisprudential understandings of insurance law.