While insurance companies have paid more than $450 billion in property damages to policyholders over the past ten years, not every claim is paid out. Like any business, insurers always look for ways to limit their losses. Getting your insurance claim denied or underpaid is extremely frustrating, especially with extensive home damage. Here’s some advice on how to increase the likelihood of your insurer paying for home damage.


Document, Document, Document

With phones, computers, and tablets – it’s relatively easy to keep track of the condition of your home. It’s essential to keep a record of everything – including the value of your personal belongings (contents) and the house itself. Keep a file of important documents and pictures with detailed information. Furthermore, don’t forget to keep records of any home repairs, maintenance, and improvements.

Work Quickly but Efficiently

As soon as you notice home damage, you’ll need to move quickly and gather information. First, contact your insurance company to inform them about the damage. Then, document every aspect of the damage as thoroughly as possible with clear, detailed pictures. Most policies require you to file a claim relatively quickly after an event. Your claim may be denied if too much time has passed. Or you can call a Public Adjuster initially.

Hire a Public Adjuster to File The Claim For You

When you hire a public adjuster to file your insurance claim for you, you’re more likely to get your home damage covered. Public adjusters are experienced in home damage claims – it’s their profession! Not only will they act as a liaison between you and your insurance company, but they will also gather all the necessary information and evidence. A public insurance adjuster works for you, not the insurance company, so they have your best interest in mind. Their job is to get you every penny you deserve for your home damage insurance claim.


Ready to file a home damage insurance claim? Give Fair Claim Settlement a call today!