Filing a claim seems simple, but one wrong move can lead to a denial or a lowball offer. Here are the biggest pitfalls:
1. Waiting Too Long
Most policies have a time limit (Statute of Limitations). If you wait too long to file, you may be barred from recovery.
2. Calling Insurance First
If you call and say "I think I have damage," they may open a claim. If it turns out the damage is below your deductible, you now have a claim on your record with $0 payout.
3. Cleaning Up Too Much
While you should prevent further damage (e.g., tarping a hole), don't throw away damaged items. They are evidence.
4. Accepting the First Offer
The first check is usually just an "undisputed amount," not the final settlement. You can and should negotiate for more if the scope is incomplete.
5. Going It Alone
Without an advocate, you are at the mercy of the insurer's judgment. Having a Public Adjuster levels the playing field.