7 Mistakes Homeowners Make When Filing Insurance Claims

Filing an insurance claim is something most people do only a few times in their lives. The insurance company, on the other hand, processes thousands every year. That experience gap is expensive — and they count on it.

With 33 years inside the industry, I've seen the same mistakes cost policyholders tens of thousands of dollars. Here are the seven most common — and how to avoid them.

1. Waiting Too Long to File

Every policy has deadlines. Missing them — even by a day — can give the carrier grounds to deny your claim entirely. File as soon as it's safe to do so. Document everything first, but don't delay the initial report.

2. Giving a Recorded Statement Without Preparation

The adjuster will ask for a recorded statement. They'll sound friendly. But every word you say is being evaluated against your policy language. Before you say anything on the record, know exactly what's covered, what your limits are, and what you're claiming.

3. Accepting the First Offer

The first settlement offer is rarely the best one. Insurance companies know most policyholders are stressed and eager to move on. They'll offer a check that looks fair — but often misses code upgrades, full replacement costs, and hidden damage that won't surface for months.

"The first settlement offer is rarely the best one. Don't let urgency cost you what you're owed."

4. Not Documenting Everything

Take photos. Take videos. Save receipts. Keep a log of every phone call (date, time, who you spoke with, what was said). The more documentation you have, the harder it is for the carrier to lowball you.

5. Throwing Away Damaged Property

Don't toss anything until the adjuster has seen it — or until you have clear photos and written confirmation that it's been documented. Once it's gone, it's very hard to prove the loss.

6. Not Understanding Your Policy

Most people never read their policy. That's understandable — they're dense documents. But key provisions like replacement cost vs. actual cash value, code upgrade coverage, and additional living expenses can make a massive difference in your payout. If you're not sure what's covered, ask someone who is.

7. Going It Alone

The single biggest mistake: handling a significant claim without professional representation. The OPPAGA study found that policyholders who used a public adjuster received settlements up to 747% higher than those who filed alone. The insurance company has its own experts. You should too.