Most homeowners never plan on having to make a home insurance claim. But the unfortunate reality is that accidents can and do happen, and when they do, it’s essential to know what to expect. Home insurance claims are not always straightforward, and there can be a lot of complications along the way.
If you’re filing a home insurance claim for the first time, you may get lost in the process and not know where to turn. From filling out paperwork to waiting for approval, the process can be frustrating and time-consuming. And if your claim is denied, you’ll be left feeling even more lost.
We have compiled a list of mistakes homeowners must avoid when filing a home insurance claim:
Not Knowing What Your Policy Covers:
Every home insurance policy is different, so you must know precisely what your policy covers. Not every policy covers flood damage, for example, so if you live in an area prone to flooding, you’ll need to purchase a separate policy.
Not Reading the Fine Print:
When signing up for home insurance, you must read the fine print. You may be surprised to learn that your home insurance policy has a lot of exclusions. For example, many policies don’t cover mold damage.
Failing to Document the Damage:
If you want to receive compensation for the damage to your home, you need to be able to document it. It means taking pictures or videos of the damage and keeping any receipts for repairs.
Making a Claim for Every Little Thing:
Your home insurance policy has a deductible, which is the amount of money you have to pay out-of-pocket before your insurance company starts to pay. So, if the damage to your home is only a few hundred dollars, it’s probably not worth making a claim.
Not Updating Your Policy:
Your home insurance policy is a contract. And, like any other contract, it’s essential to keep it up-to-date. If you make any changes to your home – such as renovating your kitchen – you need to let your insurer know. Otherwise, they may not cover the damage.
Cleaning Up Too Fast After the Damage:
You may be in a rush to clean up after an accident. However, cleaning up too rapidly might be a costly blunder. If your house experienced hurricane damage, keep the broken pieces of your roof until the insurance adjuster comes to inspect them. Otherwise, your insurer may not cover the damage.
Waiting to File a Claim:
If you wait too long to file a claim, your insurer may deny coverage. Make sure you file your claim as soon as possible after the damage occurs. It will also ensure you have a better chance of getting your claim approved.
Miscommunication can cost you when it comes to filing an insurance claim. If you don’t understand something, ask your insurer for clarification. It’s also important to keep your insurer updated on the status of your repairs. Otherwise, they may deny your claim.
Failing to Get Repairs in Writing:
It’s important to get all repairs in writing, regardless of whether you’re using your insurance or not. It will help ensure that the repairs are made and are up to code. Without documentation, you may have a hard time getting your insurer to cover the cost of repairs.
Many homeowners try to file big claims all by themselves. This could lead to denied claims or low settlements. A public claims adjuster can help you avoid these mistakes and get the most out of your home insurance claim.
Solid Rock Roofing and Construction, serving The Colony, TX, is a full-service roofing company specializing in insurance claims. If your home has been damaged by severe weather, contact us today for a free estimate.