The Process for Filing a Property Damage Insurance Claim

Experiencing property damage after a storm or other unexpected event can be overwhelming. However, understanding the proper steps to file an insurance claim can help ensure you receive fair compensation and speed up the recovery process. Here’s a straightforward guide to help you navigate the claims process.

Step 1: Ensure Safety First

Before assessing any damage, prioritize safety. Avoid hazardous areas, such as rooms with exposed electrical wiring or unstable structures, which can be common after catastrophic weather events. Once it is safe, document the visible damage.

Step 2: Document the Damage

Thorough documentation is critical for a successful insurance claim.

• Photos and Videos: Capture images and footage of all damaged areas, including interior and exterior views if damage was suffered to both.
• Detailed Notes: Write down descriptions of the damage and any affected personal belongings.
• Inventory List: If possible, provide an inventory of damaged items, including purchase dates and values.

Step 3: Mitigate Further Damage

Most insurance policies require policyholders to take reasonable steps to prevent further damage. This might include taking steps such as:

• Covering broken windows. 
• Place tarps over roof openings.
• Removing standing water if safe to do so.

Be sure to keep receipts for any emergency repairs, as these expenses should be reimbursable under your insurance policy.

Step 4: Contact Your Insurance Company

Notify your insurance company as soon as possible.

• Provide Initial Information: Describe the extent of the damage and any immediate mitigation or repair steps you’ve taken.
• Ask Questions: Clarify your policy coverage, deductible amounts, and the timeline for the claims process. If you don’t have a copy of your policy, request a certified copy from your claims adjuster or insurance agent.
• Schedule an Inspection: Arrange for an adjuster to assess the damage.

Step 5: File the Claim

Submit a detailed claim with all necessary documentation.

• Claim Form: Complete the form provided by your insurer.
• Supporting Documentation: Provide all photos, videos, repair estimates, and receipts you have related to your claim.
• Proof of Loss: Provide a detailed list of damages and their estimated values.

Step 6: Cooperate with the Adjuster

An insurance adjuster will visit your property to assess the damage.

• Be Present: Walk the adjuster through the damage to ensure nothing is overlooked.
• Provide Documentation: Share your photos, notes, and receipts.
• Ask for Clarifications: Understand how the adjuster is calculating the claim and note any concerns.

Step 7: Review the Adjuster’s Estimate

Once the adjuster completes their assessment, you will likely receive a written estimate of your damage. 

• Understand the Estimate: Ensure the estimate covers all damages you are claiming and aligns with your policy.
• Negotiate if Necessary: If you believe the offer is insufficient, provide additional documentation and request a review.
• Seek Professional Help: Consider hiring a public adjuster or consulting an attorney if negotiations stall.

Note that the adjuster’s estimates you receive might refer to any payment being issued as a “settlement.” If you do not feel this amount is sufficient, be sure to communicate to the insurance company that you are not accepting that amount as a full and final settlement of your claim.

Step 8: Complete Repairs and Finalize the Claim

After receiving money from your insurance company, you should proceed with repairs as soon as possible.

• Hire Reputable Contractors: Verify licenses and check reviews before hiring a contractor.
• Keep Records: Maintain receipts and records of all repair expenses.
• Submit Final Documentation: Provide your insurer with proof of repairs if required.

Additional Tips for a Smooth Claim Process

• Understand Your Policy: Familiarize yourself with your policy’s terms, including ACV and RCV provisions.
• Stay Organized: Keep all claim-related documents in one place.
• Follow Up: Regularly check the status of your claim to avoid delays.

Filing a property damage insurance claim can be stressful, but by following these steps and staying proactive, you can ensure a smoother process and receive the compensation you need to restore your property. If you need help navigating the insurance process or determining whether your insurance payment is sufficient, contact Averill & Reaney today for a free consultation. Our experienced attorneys specialize in holding insurance companies accountable and will ensure you receive the full benefits of your policy.