Mistakes To Avoid When Filing a Home Insurance Claim

The home is your sanctuary, but that doesn’t mean it’s immune from damage. Home damage can come in many shapes and sizes, but what’s often more important than the damage itself is how you recover from it. Depending on the home insurance you have, you could be entitled to some compensation, but filing your claim can be tricky. There are some mistakes to avoid when filing a home insurance claim. When you know how to navigate this process, you can get your home back on the road to recovery.

Failing To Check Your Policy

One mistake that is incredibly easy to make is not checking your policy before filing claims. Each insurance company is different, and the policies that are available vary from person to person, so it’s critical you understand your unique policy before filing any claims. The insurance claim process can be tricky, so you must know the intricacies of your policy to ensure you don’t file unnecessary claims. If you fully read and understand your insurance policy, you can avoid as many insurance claim headaches as possible.

Not Documenting Damage

In addition to fully understanding your policy, you must also be thorough in how you document your damage. It’s not easy to think of the insurance claim as you’re recovering from damage, but if you want the full coverage that comes with your policy, you need to document everything. Before cleaning or moving anything around, you need to carefully take photos and make a list of each damaged item, as well as its value.

When you fail to properly document the damage, your insurance company can dispute your claim, as there’s no corroborating evidence the claim you put forward is accurate. It can seem like a lot, but when you document everything and take photos, you build a case that your insurance company needs to compensate you.

Failing To Meet Deadlines

Documenting the damage is a crucial part of filing an insurance claim, but you must also remember that there are deadlines for different insurance claims. If you fail to meet those deadlines, you could end up not getting any compensation at all, putting you in a terrible spot. It takes work, but when you file your claim before the deadline passes, you can safely position yourself to get your insurance company to pay proper attention to your claim. Failing to meet the deadline can quickly result in your insurance company denying your claim.

If you want to properly recover from disaster, it’s important you avoid these mistakes when filing a home insurance claim. It can be a tricky process, especially when it’s not one you do very often, so getting a handle on things is incredibly important. If you need help through the process, let AmeriClaims help you. We can help you push through your home insurance claims, including fire damage insurance claims, so that you’re sure to get the necessary compensation to repair your home.