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How to Prove Your Property Insurance Claim

November 26, 2021

When your home is damaged by an act of nature, fire, flood or vandalism, you are entitled to an insurance settlement so that you can put the pieces of your life back together. However, receiving that settlement is not accomplished by making a simple phone call. You must prove all of that damage in order to receive compensation for your claim and here’s how to get that done.

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Document Damage

The first step in proving your claim is to document every shred of damage. That includes listing all of your damaged items and providing a detailed description for each one. Provide the purchase date and the expected cost to repair or replace the item. Another highly recommended task is to take plenty of photos and videos of the damage. And don’t throw out any of those damaged items before your insurance company sends over a claims adjuster. The more documentation of damage you have, the better chance you have of proving your claim.

Structural Damage

Check for structural damage and carefully document every crack, nick and missing roof tile. It is also a good idea to have your electrical system inspected by a professional and keep in mind that many insurance companies will pay for such inspections. It is also best to contact a public adjuster to assist you through the process.

Keep Receipts

In some instance, you will need to make temporary repairs to prevent further damage. For example, if a storm caused a hole in your roof, you will need to close that hole to prevent additional damage. Keep receipts for every repair you made and don’t go out and make any major repairs right away. That could hurt your ability to prove your claim.

Obtain Written Estimates

Find a local contractor and obtain an estimate of what it would cost to repair the damage. Make sure this estimate is very detailed and includes the materials needed, expected timeline for completion and overall labor costs.

Organize

Keep all of your documentation, estimates and receipts in order by going out and buying a binder or portfolio. Also include every record of every conversation with contractors, insurance company reps, etc.

Avoid Making False Claims

Some homeowners may become a little greedy and start listing items they really did not own. This tactic could not only disprove your claim, but it could also lead to legal repercussions.

AmeriClaims, Inc. is ready to help you prove your claim and get the settlement you deserve. For the best public adjusters Florida, Georgia, South Carolina and North Carolina have to offer, contact an AmeriClaims representative right away and let us start working for you.

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Previous: Why Actual Cash Value (ACV) Insurance Is a Bad Idea
Next: What Is Covered Under Your Condo and Townhome Insurance Master Policy

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Archive

AmeriClaims, Inc.

5.0

Lucy Fyfe

5 months ago

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Amy and Josh at AmeriClaims helped one of my clients with a dire situation. We are so grateful and delighted we were able to find them at the right time. They are going in my contact list for anyone in need. Thank you so much for your professionalism and assistance.

Amy and Josh at AmeriClaims helped one of my clients with a dire situation. We are so grateful and delighted we were able to find them at the right time. They are going in my contact list for anyone in need. Thank you so much for your professionalism and assistance.

Rhonda Jane Catha-Kramer

8 months ago

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From the first phone to the final in person visit Americlaims Andy we're the embodiment of professionalism, knowledge, integrity, and often times emotional support during venting about State Farm Adjuster, Verna, and the inexcusable business practices. Andy walked us through the fire and we came out the other end receiving what was legally owed. If you are struggling with your insurance adjuster then call Americlaims and let them know we sent you

From the first phone to the final in person visit Americlaims Andy we're the embodiment of professionalism, knowledge, integrity, and often times emotional support during venting about State Farm Adjuster, Verna, and the inexcusable business practices. Andy walked us through the fire and we came out the other end receiving what was legally owed. If you are struggling with your insurance adjuster then call Americlaims and let them know we sent you

SNS Realty

8 months ago

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This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

Sohil Shah

8 months ago

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This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

Dean Barley

1 year ago

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Without a doubt these folks FAR EXCEEDED what I ever imagined they could do. They were there every step of the way to help me. I would never have received what I was entitled to without their help.

Without a doubt these folks FAR EXCEEDED what I ever imagined they could do. They were there every step of the way to help me. I would never have received what I was entitled to without their help.

Omar Leonard

1 year ago

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Lessie Fowler

1 year ago

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Annette Metz

1 year ago

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Tonya was amazing at handling everything for me after going through such a traumatic experience and any problem I had she was only a phone call away and I had results or a solution by the days end Very professional company and well worth the money and I would definetly recommend Americlaims to anyone needing this kind of service after a loss Tonya is a great people person and went above and beyond to make sure I received what i was insured for Thanks again Tonya...

Tonya was amazing at handling everything for me after going through such a traumatic experience and any problem I had she was only a phone call away and I had results or a solution by the days end Very professional company and well worth the money and I would definetly recommend Americlaims to anyone needing this kind of service after a loss Tonya is a great people person and went above and beyond to make sure I received what i was insured for Thanks again Tonya...

Tonya LaRocca

1 year ago

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Summer Berry

1 year ago

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Stefanie Shiramizu

2 years ago

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Americlaims may be the best thing that has ever happened to us. We cannot thank them enough for all they did for our family. Last year, my husband and I bought our first home....and our first night there literally 4 hours into being in our new home, our moving truck was stolen out of our driveway, with all of our belongings in it. We had the clothes on our back, and that was it. We lost everything we have ever owned. My fathers ashes, family heirlooms, wedding photos...not to mention all of our furniture, electronics, checkbooks, college diplomas, clothes, our doctoral white coats...etc I called my home owners insurance company to initiate a claim, and they sent me a blank piece of paper and told me to just write everything down we lost. We didn't even know where to begin. It was overwhelming.Someone told us about public insurance adjusters. And honestly we didn't know that companies like Americlaims existed. But we met with Tonya....and it was the best decision we've ever made. Tonya worked diligently to file our claim. She provided us with all the tools and info we needed to recall what we lost. She helped us itemize, price, and negotiate with our insurance company so that we could be compensated fairly for our losses. She was 100 on our team. It's been almost a year since our theft, and we are just wrapping up with this insurance process. And I just can't thank Tonya and Americlaims enough for all they have done for us. It made a very hectic and stressful time much more manageable. As a newly married couple, they honestly gave us the opportunity to get our life back. Without them we would have had to start over using all of our savings.

Americlaims may be the best thing that has ever happened to us. We cannot thank them enough for all they did for our family. Last year, my husband and I bought our first home....and our first night there literally 4 hours into being in our new home, our moving truck was stolen out of our driveway, with all of our belongings in it. We had the clothes on our back, and that was it. We lost everything we have ever owned. My fathers ashes, family heirlooms, wedding photos...not to mention all of our furniture, electronics, checkbooks, college diplomas, clothes, our doctoral white coats...etc I called my home owners insurance company to initiate a claim, and they sent me a blank piece of paper and told me to just write everything down we lost. We didn't even know where to begin. It was overwhelming.Someone told us about public insurance adjusters. And honestly we didn't know that companies like Americlaims existed. But we met with Tonya....and it was the best decision we've ever made. Tonya worked diligently to file our claim. She provided us with all the tools and info we needed to recall what we lost. She helped us itemize, price, and negotiate with our insurance company so that we could be compensated fairly for our losses. She was 100 on our team. It's been almost a year since our theft, and we are just wrapping up with this insurance process. And I just can't thank Tonya and Americlaims enough for all they have done for us. It made a very hectic and stressful time much more manageable. As a newly married couple, they honestly gave us the opportunity to get our life back. Without them we would have had to start over using all of our savings.

Debra Massey

3 years ago

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Professional and courteous. Knowledgeable of the claim process. Took the stress of filing our claim off of us. Consistent follow up. Talk to us and not at us. Recommend highly. Debra

Professional and courteous. Knowledgeable of the claim process. Took the stress of filing our claim off of us. Consistent follow up. Talk to us and not at us. Recommend highly. Debra

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