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3 mistakes to avoid when making a homeowner’s insurance claim

On Behalf of | Jun 28, 2021 | Uncategorized |

After a fire, flood or major storm damages your home, you will turn to your homeowner’s insurance company for help and resources. The claim that you submit will help you pay for necessary repairs and possibly even temporary shelter until your home is habitable again.

This claim could possibly be the biggest one you ever have to make in your life, so you want to make sure you handle things properly. What are some of the mistakes that might impact the success of your claim and the compensation you receive?

Failing to document the damage properly

When there’s broken glass all over your living room or a downed tree on your house, you obviously want to start fixing things and cleaning them up right away. However, you also need to document everything carefully, ideally with plenty of photographs or even video from multiple angles to help show the extent of the damage and possibly what caused it.

If you don’t document everything, your insurance company might try to fight the claim by alleging that it isn’t the result of the covered situation, like storm damage. You may even need to wait for an agent or adjuster to visit before starting work.

Not looking at your policy and estimated costs before making a claim

With apps and websites, it has never been easier to start a claim. However, initiating a bunch of tiny claims can be a lot more problematic than gathering everything you need and filing one comprehensive claim against your policy.

While you need to move in a timely manner and not delay your filing any more than is necessary, initiating a claim immediately without documentation or a large number of small claims could slow down the resolution to your claims.

Settling without negotiating

The first settlement offer is a starting point for negotiations, not the best offer possible. It may only include costs that you have already paid. It may not represent everything that your insurance policy covers.

From making sure that repairs don’t affect your curb value to getting supplementary coverage that you paid for in your policy, is a lot that goes into settling a large claim. Understanding some of the more common mistakes in large property insurance claims and help you avoid them and make it easier to recognize when you need help.