Top 5 Mistakes Homeowners Make After a Disaster and How to Avoid Them
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When disaster hits whether it’s a hurricane, house fire, flood, or unexpected storm damage it’s natural to feel overwhelmed, emotional, and unsure of what to do next. But in the chaos, even small missteps can cost you thousands in lost insurance benefits and unnecessary expenses.
As public adjusters who have seen the aftermath of countless claims, we’re here to help you avoid common pitfalls. Here are the top five mistakes homeowners make after a disaster and how you can steer clear of them.
1. Not Documenting the Damage Properly
The Mistake: In the rush to clean up or make repairs, many homeowners forget to take thorough photos or videos of the damage.
Why It Matters: Your insurance company needs proof. Without strong documentation, it becomes a matter of your word versus theirs and that rarely works in your favor.
How to Avoid It: Take high-resolution photos and videos of every damaged area or item before you move or touch anything. Capture close-ups, wide shots, and timestamps if possible.
2. Failing to Understand Their Insurance Policy
The Mistake: Many homeowners don’t read the fine print until it’s too late. They assume certain things are covered only to find out otherwise after filing a claim.
Why It Matters: Not knowing your coverage limits, exclusions, or deductible can lead to denied claims or unexpected out of pocket costs.
How to Avoid It: Review your policy annually. After a disaster, consider having a public adjuster help interpret your coverage to make sure you’re filing correctly.
3. Trusting the Insurance Company to Handle Everything
The Mistake: Believing the insurance company is fully on your side and will automatically give you the best settlement.
Why It Matters: Insurance adjusters work for the insurance company not for you. Their job is to minimize payouts and protect company profits.
How to Avoid It: Consider hiring a public adjuster who represents your interests. They can negotiate with the insurance company and ensure you receive every dollar you’re entitled to.
4. Making Repairs Too Soon
The Mistake: Jumping into repairs or cleanup before an adjuster inspects the damage.
Why It Matters: If the damage isn’t documented first, it could hurt your claim. Insurers might argue the damage wasn’t as bad as you say or deny coverage altogether.
How to Avoid It: Make only temporary emergency repairs (like boarding up windows or shutting off utilities) and wait until your claim is properly documented and filed.
5. Missing Claim Deadlines
The Mistake: Waiting too long to file a claim or submit documentation.
Why It Matters: Insurance policies often have strict time limits for filing claims, submitting evidence, or responding to adjusters.
How to Avoid It: Start your claim as soon as possible after the disaster. Stay organized and track every deadline. If it feels overwhelming, a public adjuster can manage the timeline for you.
Final Thoughts
A disaster can turn your world upside down but the aftermath doesn’t have to. By avoiding these common mistakes, you can protect your rights, reduce stress, and maximize your insurance recovery.
Need help navigating your claim? Reach out to a licensed public adjuster for a free consultation. We’re here to help you get back on your feet without leaving money on the table.