Top 10 Common Mistakes Homeowners Make After Property Damage and How to Avoid Them
- lporgroup
- 3 days ago
- 3 min read
Experiencing property damage can be overwhelming and stressful. Whether caused by storms, fire, water leaks, or accidents, the aftermath often leaves homeowners unsure about the right steps to take. Mistakes made during this critical time can lead to denied insurance claims, costly repairs, or prolonged recovery. Knowing what to avoid can save time, money, and frustration.
This guide highlights the top 10 mistakes homeowners make after property damage and offers practical advice to help you navigate the process smoothly.
1. Delaying the Insurance Claim Process
Many homeowners hesitate to file an insurance claim immediately after damage occurs. Waiting too long can result in missing deadlines set by insurance policies, which often require prompt notification.
How to avoid this:
Contact your insurance company as soon as possible.
Document the damage with photos and videos before making any repairs.
Keep a detailed record of all communications with your insurer.
2. Not Documenting Damage Thoroughly
Insufficient documentation weakens your claim. Insurance adjusters rely on clear evidence to assess the extent of damage.
How to avoid this:
Take clear, comprehensive photos and videos from multiple angles.
Include close-ups of damaged areas and wide shots showing the full scope.
Save receipts for any emergency repairs or temporary fixes.
3. Making Unauthorized Repairs
While it’s tempting to fix things quickly, making repairs without insurer approval can jeopardize your claim.
How to avoid this:
Perform only necessary emergency repairs to prevent further damage, such as tarping a roof or shutting off water.
Keep all receipts and document repairs.
Wait for insurance adjuster approval before starting major repairs.
4. Underestimating the Extent of Damage
Damage can be more extensive than it appears initially. Hidden issues like mold, structural damage, or electrical problems may surface later.
How to avoid this:
Hire Ibis Public Adjusters to assess the full damage.
Don’t rely solely on your own observations.
Request a detailed damage report to support your claim.
5. Failing to Review Your Insurance Policy
Not understanding your coverage limits, deductibles, and exclusions can lead to surprises during the claim process.
How to avoid this:
Review your policy carefully before filing a claim.
Know what types of damage are covered and what are not.
Contact your insurer or an expert like Ibis Public Adjusters if you have questions.
6. Settling Too Quickly for Less Than You Deserve
Insurance companies may offer a quick settlement that doesn’t fully cover your losses.
How to avoid this:
Get multiple repair estimates from licensed contractors.
Compare these with the insurer’s offer.
Hiring Ibis Public Adjusuters to negotiate on your behalf.
7. Ignoring Temporary Living Expenses Coverage
If your home is uninhabitable, you may be entitled to reimbursement for temporary housing and related costs.
How to avoid this:
Check your policy for “loss of use” or “additional living expenses” coverage.
Keep all receipts for hotel stays, meals, and other expenses.
Submit these expenses promptly to your insurer.
8. Not Keeping Detailed Records
Losing track of documents, communications, and expenses can complicate your claim.
How to avoid this:
Create a dedicated folder (physical or digital) for all claim-related paperwork.
Record dates, names, and summaries of phone calls or meetings.
Maintain copies of all correspondence.
9. Overlooking the Importance of Professional Help
Handling a claim alone can be overwhelming, especially if the damage is severe or the insurer is uncooperative.
How to avoid this:
Consider hiring a public adjuster who works for you, not the insurance company.
Public adjusters like Ibis Public Adjusters can help document damage, prepare claims, and negotiate settlements.
Their expertise often results in higher claim payouts.
10. Failing to Follow Up Regularly
Claims can stall without regular follow-up, causing unnecessary delays.
How to avoid this:
Stay in contact with your insurance adjuster and contractors.
Ask for updates and timelines.
Be proactive in providing any additional information requested.
Property damage is stressful, but avoiding these common mistakes can make the recovery process smoother and more successful. Taking prompt action, documenting thoroughly, understanding your policy, and seeking professional help when needed will protect your interests and help you rebuild with confidence.
If you’ve recently experienced property damage, start by reviewing your insurance policy and documenting the damage carefully. Don’t hesitate to reach out to a Ibis Public Adjusting for expert guidance. Your home is one of your most valuable assets—handle the aftermath wisely to secure the best outcome.
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