Mistake #1: Not Documenting Damage Immediately
The biggest mistake homeowners make is failing to document damage immediately after it occurs. Insurance companies can question the extent and timing of damage if there's no immediate documentation.
Always take photos and videos of all damage as soon as it's safe to do so. Include wide shots showing the overall damage and close-ups of specific areas.
Mistake #2: Accepting The First Offer
Insurance companies are businesses, and their initial offers often reflect the minimum they hope you'll accept — not the true value of your claim. Many homeowners accept these lowball offers because they don't know better.
On average, homeowners who use a public adjuster receive 4x more than those who accept the initial offer. Always review and negotiate before accepting.
Mistake #3: Not Understanding Your Policy
Many homeowners file claims without fully understanding their coverage, deductibles, and exclusions. This can lead to missed coverage items or unexpected out-of-pocket costs.
Take the time to review your policy before filing, or better yet, have a public adjuster review it for you. We know exactly what to look for and how to maximize your coverage.
Mistake #4: Making Permanent Repairs Too Soon
While you should make temporary repairs to prevent further damage, making permanent repairs before the claim is settled can work against you. The insurance company needs to inspect the damage firsthand.
Keep all receipts for temporary repairs — these are reimbursable. But hold off on permanent fixes until your claim is properly documented and filed.
Mistake #5: Filing Without Professional Help
The insurance claims process is complex and designed by insurance companies. Going in without professional representation is like going to court without a lawyer — you're at a disadvantage from the start.
A licensed public adjuster levels the playing field. We work exclusively for you, handle all documentation and negotiation, and our services are contingency-based so you pay nothing unless we win your settlement.
