When your home is damaged, the claim process can feel intimidating, and it's easy to make a misstep that costs you later. This guide walks through when to file, how to do it, and the common mistakes to avoid.
When should you file?
File promptly — most policies require you to report damage within a set window, and the sooner the loss is documented, the stronger your claim. But 'promptly' doesn't mean 'before you understand the damage.' The ideal order is: document first, understand the scope, then file with a complete picture.
How to file, step by step
- Make sure everyone is safe and prevent further damage if you can do so safely
- Document everything with photos and video before any cleanup or repairs
- Find your policy and note your deductible and coverage
- Get the full scope documented — ideally by someone who works for you, not the insurer
- File the claim with your insurer and keep records of every call and email
- Track the process and don't accept an offer you don't understand
Mistakes that hurt claims
- Waiting too long and missing the reporting deadline
- Starting repairs before the damage is documented
- Throwing away damaged materials too soon
- Accepting the first offer without reviewing it
- Signing with a door-to-door storm chaser on the spot
You don't have to file alone. A public adjuster can document the loss, help you file correctly, and make sure the claim reflects your real damage from the start. The inspection is free.