Top 5 Mistakes Homeowners Make When Filing Insurance Claims

Filing a property damage claim might seem straightforward, but many homeowners unknowingly make critical errors that cost them time and money. One of the biggest mistakes is failing to document the damage immediately. Before touching anything, it's crucial to take clear, timestamped photos and videos from multiple angles. Insurance companies rely heavily on documentation, and without it, they can easily reduce or deny your claim. Cleaning up too early—before documenting the full extent of damage—can weaken your position.

Another common misstep is giving vague or inconsistent statements to the insurance adjuster. Homeowners may try to downplay the damage, not realizing that every word they say could influence the claim’s outcome. It’s always better to speak factually and let a licensed professional handle the deeper policy interpretations and negotiations. Misunderstanding or failing to read your policy is another major issue. Policies often contain exclusions, deductibles, and timelines that can trip up unprepared homeowners.

Lastly, many people think they have to go through this process alone. Not hiring a public adjuster or professional to review your claim can leave you at a serious disadvantage. Insurance companies have experts working on their behalf—why shouldn’t you? A public adjuster knows how to avoid these pitfalls, build a stronger case, and fight for what you're truly owed.

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