Top 10 Insurance Claim Tips
for First-Time Homeowners

Familiarize yourself with your insurance policy, including coverage limits, deductibles, and exclusions. Understanding your policy will help you know which types of damages are covered and what isn’t covered.

Collect images and document as much information as you can. Even if you don’t see damage in areas of your home, it’s important to still take photos since many types of damage occur under the floors or in places you can’t see right away. The more evidence you have, the stronger your claim.

Provide truthful, accurate information to your insurance company. Misrepresenting facts can lead to claim denials or even policy cancellations.

Maintain records of any and all communication with your insurance company, including emails, phone calls, and letters. Include dates, times, and the names of the representatives you speak with.

If you can, take steps to prevent further damage or loss after the incident. This might include temporary repairs or securing your property to prevent additional harm.

Remember that an insurance company is not looking out for your best interest and they are not trying to get you the maximum settlement you deserve. Instead, they are looking for reasons to avoid covering the property damages you’ve experienced.

Obtain estimates for repairs or replacements from reputable contractors. Some insurance companies require estimates to process the claim.

If your claim is approved, make sure you understand the settlement offer. Sometimes insurance companies will try to low-ball the settlement amount. Ask questions if you’re unsure about any aspect of the settlement and negotiate if necessary.

Many insurance policies state that the policyholders are entitled to “like-for-like” repairs. If this is included in your policy, it means the insurance company is required to repair and replace any damaged property with ones of the same type, quality, and value as the ones that were damaged or lost.

Navigating the insurance claims process is extremely difficult, especially if this is your first time dealing with insurance companies. By hiring a public adjuster, they will solely represent you, the policyholder, and advocate on your behalf. They do not work for the insurance company. They can help file your claim in a timely manner and get you the highest settlement amount you are owed.