Maximize Your Claim

Start with your declarations page and coverage details. Pay close attention to the specifics that directly affect your payout.

• Replacement cost vs. actual cash value — depreciation matters significantly
• Coverage limits for specific categories (jewelry, electronics, etc.)
• Deductibles and exclusions that may reduce your settlement

Thorough documentation is the single most powerful tool you have. After damage occurs:

• Take clear photos and videos before any cleanup or temporary repairs
• List every damaged or lost item in detail — brand, model, age, condition
• Save all receipts for emergency repairs, hotels, and meals if you are displaced

Insurance companies often open with conservative estimates. You have the right to push back.

• Get independent contractor quotes for all repairs
• Compare their scope of work line by line — missing items are common
• Challenge anything that seems underpriced or overlooked with written documentation

If you have replacement cost coverage, you are entitled to the cost of buying new equivalents — not the depreciated value.

• Research current retail prices for comparable items
• Don't undersell older items — insurers often default to low estimates unless challenged
• Provide receipts, photos, or online listings to support your valuations

A written record of every interaction protects you if disputes or delays arise.

• Log dates, names, and summaries of every phone call and meeting
• Save all emails, letters, and written correspondence
• Note any promises or commitments made by the insurer

Everything you say to your insurer can affect your claim. Communicate carefully and accurately.

• Answer questions honestly, but do not speculate about causes or values
• If you don't know something, say so and follow up in writing
• Avoid casual conversation that could be misinterpreted or recorded

A licensed public adjuster works for you — not the insurance company — and can negotiate on your behalf.

• Most useful for large, complex, or disputed losses
• They typically take a percentage of the final settlement
• Can identify coverage and damages that homeowners commonly miss

You are not required to accept the first offer. Take time to review it carefully.

• You can often reopen or supplement a claim if additional damage is found later
• Review the settlement against your independent estimates before signing
• Understand the timeframes in your policy for supplemental claims

If your home is uninhabitable, your policy may cover more than just repairs.

• Temporary housing, hotel stays, and rental costs may be reimbursable
• Food and meal expenses above your normal spending may qualify
• Storage costs for salvaged belongings are often covered