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Mistakes to avoid when filing a home insurance claim

On Behalf of | Apr 13, 2023 | Property Damage

A storm or a fire may have wreaked havoc on your family home. Fortunately, the damage is covered by homeowner’s insurance, and all you have to do is file a claim with your insurer to recover compensation for your losses.

Filing a claim may seem like a pretty straightforward process, but you need to be careful. Compensation is not guaranteed, as certain mistakes can negatively affect the strength and value of your claim, and can possibly lead to unnecessary delays or even a denial. Here are some of the common blunders you’ll want to avoid.

Waiting too long to file your claim

Be sure to file your homeowner’s insurance claim as soon as possible to avoid any issues. Most policies have a deadline for filing, and waiting too long can make it difficult to get the compensation you deserve.

Failing to document damages

When filing a home insurance claim, it’s essential to document all damage thoroughly. Take photos and videos and have a record of everything that was lost or damaged. The more details, the better. This information can help you to support the validity of your claim should uncertainty arise about the level of damages or losses in question.

Admitting responsibility

You should not admit that you did anything that led to or aggravated the disaster. You are not required to make such an admission even if you think you played a part. Making self-incriminating statements or admitting responsibility could result in a claim denial or the devaluation of your claim.

Not understanding your policy

Before filing a home insurance claim, ensure that you fully understand your policy. Take time to read through the terms and conditions, including coverage limits, deductibles and exclusions. Knowing what’s covered and what’s not can help you avoid unnecessary denials and disputes.

Not getting help when you need it

Filing a home insurance claim can be a complex process, and it’s important to understand how things work. If you are unsure of the steps involved in the claims process, including timelines, requirements and potential outcomes, consider seeking informed legal guidance. Doing so can help you avoid surprises and better ensure that you benefit from a successful outcome.