Dealing with property damage is stressful enough—don’t let mistakes in the insurance claims process cost you even more. Filing a property insurance claim might seem straightforward, but one wrong move can lead to delays, reduced payouts, or even denial of your claim. As public adjusters, we’ve seen it all. To help you protect your investment and your rights, here are the top five mistakes to avoid when filing a property insurance claim.

1. Waiting Too Long to File Your Claim

Insurance companies typically require you to file claims within a certain timeframe—often referred to as the “notice of loss” period. Waiting too long can give your insurer a reason to deny your claim, especially if additional damage occurs after the initial incident. Always report the damage as soon as possible, even if you’re still assessing the full extent.

2. Failing to Document the Damage Properly

Photos, videos, receipts, and written notes are all vital when supporting your claim. Skipping this step or providing unclear documentation can weaken your case. Before cleaning or making repairs, thoroughly document everything. This creates a record that proves the condition of your property immediately after the incident.

3. Not Understanding Your Policy

Many policyholders are caught off guard by exclusions, deductibles, or coverage limits. Don’t assume something is covered just because it seems like it should be. Take time to read your policy or consult a professional who can explain what you’re entitled to. This can prevent surprise denials and help you prepare stronger claims.

4. Making Repairs Before the Insurance Adjuster Arrives

While you may need to make temporary repairs to prevent further damage (like tarping a roof), making full repairs before the adjuster inspects the property can hurt your claim. Insurance companies want to see the damage firsthand. Whenever possible, wait for their assessment or get a public adjuster involved early.

5. Relying Solely on the Insurance Company’s Adjuster

Remember, the adjuster sent by your insurance company works for them—not for you. Their job is to protect the company’s interests, which may not align with your own. Hiring a licensed public adjuster ensures you have an advocate on your side—someone who will fight for the full and fair value of your claim.

Don’t Let a Mistake Cost You Thousands

The insurance claims process can be complex, but you don’t have to navigate it alone. At Reliable Claims Adjusting, our experienced public adjusters help homeowners and business owners maximize their settlements and avoid costly errors. If you’re dealing with property damage, contact us today for a free claim review.

Reliable Claims Adjusting provides you get the maximum insurance payment that you deserve.  For more information, go to our web site https://www.reliableclaimsadjusting.com

or call (727) 370-1119.