Insurance Help

Smart Habits for Handling Property Insurance Claims

1. Document Everything Immediately​

   • Let's be clear, it's easy to get sucked into to the charitable side of insurance, but make no mistake about it, its about the money. So save all receipts for emergency fixes (e.g., tarps, plywood, temporary lodging).

2. Take clear, time-stamped photos or videos of all damage before making any temporary repairs.

3. File Promptly

   • Report the damage to your insurance company as soon as possible. Delays can raise red flags or even jeopardize your claim.

4. Request a Copy of Your Policy

   • Review your declarations page to understand what’s covered, what your deductible is, and any limits or exclusions.

5. Don’t Rely Solely on the Insurance Adjuster

   • Their goal is to assess quickly—not always thoroughly. A licensed contractor can point out hidden damage or code upgrades they may miss.

6. Keep a Log

   • Maintain written notes of every call, visit, or conversation with your insurance company or adjuster. Include names, dates, and a summary of what was discussed.

7. Get a Contractor Estimate Early

   • Insurance estimates often use baseline pricing. A contractor’s estimate can help identify fair market costs and support supplement requests.

8. Beware of “Final” Offers

   • You don’t have to accept the first offer (we suggest you just ignore the first offer). If something seems low or missing, ask questions and provide documentation.

9. Know Your Rights

   • In most states, you can request another opinion if you feel your claim was undervalued.

10. Don’t Sign Away Your Benefits

    • Avoid signing any “assignment of benefits” (AOB) contracts without fully understanding what rights you may be giving up.

11. Work With a Trusted Contractor

    • Choose a licensed and insured professional who will work with your insurance, not just for a paycheck.