10 Common Mistakes Homeowners Make When Lodging an Insurance Claim

Making a home insurance claim after damage or loss can be stressful. Unfortunately, small missteps can lead to delays, disputes, or reduced settlements. Here are 10 common mistakes we see homeowners make and how you can avoid them:

1. Delaying Notification – Time is critical. Most policies require prompt notice. The sooner you notify your insurer, the smoother your claim will be.

2. Not Documenting the Damage – Photos, videos, and written notes are crucial. Capture everything before clean-up or repairs begin.

3. Throwing Items Away Too Soon – Damaged goods may be evidence for your claim. Keep them until your insurer gives you the all-clear.

4. Making Repairs Without Approval – Emergency works are fine, but non-essential repairs should be approved in writing first.

5. Failing to Understand the Policy – Not all damage is covered. Be clear on exclusions, limits, and excesses.

6. Assuming the Insurer Will Catch Everything – Insurers do their best, but oversights happen. A second opinion can protect your interests.

7. Not Seeking Independent Advice – If something doesn’t feel right, don’t be afraid to engage an independent assessor.

8. Lack of Communication – Respond promptly to your insurer’s requests and keep a written record of all communication.

9. Accepting a Low Cash Settlement Without Reviewing the Scope – Always validate whether the proposed payment covers everything.

10. Not Asking Questions – If anything is unclear, ask. You’re entitled to understand the process and your entitlements.

At The Assessing Co., we help homeowners avoid these mistakes by stepping in early or when things feel off track. A clear, professional assessment can make all the difference in getting your claim resolved fairly.