Tips For Getting Your Homeowner's Insurance Claim Approved

Navigating the homeowner's insurance claim process can be daunting, especially when you're dealing with the aftermath of damage to your property.

This is particularly true for those affected by the recent wildfires in California, which have caused widespread destruction and left many homeowners in need of support.

Unfortunately, many California residents are facing significant challenges in getting their fire insurance claims approved, with issues ranging from policy non-renewals to delays and disputes over coverage amounts.

By taking a few proactive steps, you can significantly increase the chances of your claim being approved. In this article, we'll share essential tips to help you ensure a smooth and successful claims process. From matching the names on your policy and property title to documenting everything meticulously, these tips will guide you through each crucial step. Let's dive in!

Ensure Policy and Title Name Match 
Make sure the name on your insurance policy matches the name on the title to your property to avoid any discrepancies. It comes down to actually having insurable interest.

Document Everything
Take photos and videos of your property before and after any damage occurs to provide clear evidence. Keep an inventory. Document your home improvements.

Keep Receipts
Save receipts for any repairs or replacements related to your claim to substantiate your expenses.

Report Damage Immediately 
Notify your insurance company as soon as possible after damage occurs to avoid delays in processing your claim.

Understand Your Policy
Familiarize yourself with what your policy covers and any exclusions BEFORE you need it to avoid surprises during the claim process.

Get Professional Estimates
Obtain repair estimates from licensed contractors to provide accurate cost assessments to your insurer.

Maintain Your Property
Regularly maintain your property to prevent damage and demonstrate that you take care of your home. Remember, most insurance does not cover damage that has taken place for over an extended period of time, like a slow leak that has resulted in wood rot.

Follow Up
Stay in contact with your insurance adjuster and follow up on your claim's progress regularly to ensure it is being processed.

Be Honest
Provide accurate and truthful information to your insurer to avoid claim denial due to misrepresentation.

Seek Professional Help
Consider hiring an attorney if your claim is complex or if you encounter difficulties with your insurer. Let us know if you need a referral.
 

By following these tips, you can increase the likelihood of your homeowner's insurance claim being approved smoothly and efficiently.

By Matthew Plummer, CEO