The 5 Common Mistakes Homeowners Make After Storm Damage – And How You Can Avoid Them

Storms can cause major damage to properties, and filing an insurance claim is essential to recover costs. Yet, many homeowners unknowingly make mistakes that reduce their payout. Here’s a guide on the five most common post-storm claim mistakes and how you can avoid them.

Mistake 1 – Delaying the Claim Process

One of the most common errors is waiting too long to file a claim. Some homeowners hope that they won’t need to file or are overwhelmed and delay. However, insurers often have strict time limits, and waiting too long may weaken your claim. Acting promptly ensures your damage assessment aligns with the storm event and avoids complications.

Mistake 2 – Inadequate Documentation of Damages

Another frequent mistake is failing to properly document all damages. Many homeowners overlook small damages, assuming they’ll be covered without proof. Taking comprehensive photos, videos, and notes about every area affected by the storm provides solid evidence. This documentation is essential for proving your claim’s value and avoiding disputes.

Mistake 3 – Overlooking Temporary Repairs

Some homeowners forget to make temporary repairs to prevent further damage, which can harm their claim. Insurers expect policyholders to take reasonable steps to secure their property. Covering broken windows or putting up tarps to prevent leaks demonstrates responsibility and can prevent additional complications with your insurer.

Mistake 4 – Relying Solely on the Insurance Adjuster

Insurance adjusters work for the insurance company, not for you. Many homeowners assume their assessment is fair, but it may undervalue the true cost of repairs. Hiring a public adjuster ensures you have an advocate reviewing damages, who will negotiate a fairer settlement on your behalf.

Mistake 5 – Accepting the First Settlement Offer

Finally, many homeowners feel pressured to accept the initial settlement offer, especially after a stressful event. However, the first offer is often low. A public adjuster can review and negotiate this amount to ensure it covers all necessary repairs, maximizing your payout and reducing out-of-pocket costs.