What should you do before filing an insurance claim?

Before you pick up the phone to file an insurance claim, there are several steps you should take to protect your interests, document the damage, and ensure the smoothest possible process. A little preparation upfront can mean the difference between a full, timely payout and a frustrating, drawn-out dispute.

Ensure safety first

If the damage involves a structural issue, water, fire, or electrical hazard, make sure everyone is safe before doing anything else. Do not enter a damaged structure until you are confident it is safe. Contact emergency services if needed.

Document everything

Before you clean up, move debris, or make permanent repairs, thoroughly document the damage:

• Take photos and video: Capture wide shots and close-ups of every area of damage, inside and outside. Include timestamps if your camera supports it.
• Make a written inventory: List every damaged or destroyed item with its approximate age, condition, and estimated value.
• Save damaged items: Do not throw anything away until the adjuster has inspected it, unless it poses a health hazard.

Make temporary repairs only

You have a duty to prevent further damage—this is actually required by most policies. Tarp a damaged roof, board up broken windows, or turn off water to a burst pipe. Save all receipts for materials and labor. These costs are typically reimbursable. However, do not begin permanent repairs until the adjuster has assessed the damage.

Review your policy

Before calling your insurer, pull out your declarations page and review:

• Your deductible: If the cost of the damage is close to or less than your deductible, filing a claim may not make financial sense.
• Coverage limits: Know what your policy covers and up to what amount.
• Exclusions: Confirm that the type of damage is not excluded from your policy.

Consider whether to file

Small claims close to your deductible amount may not be worth filing. A claim on your record can affect your premium at renewal, and some insurers track claims across a central database (CLUE report). If the damage is minor and affordable out of pocket, consider handling it yourself.

What Truscott recommends

When damage happens, the adrenaline can push you to call your insurer immediately. Taking 30 minutes to document, review your policy, and assess the situation first sets you up for a much better outcome. If you are unsure whether to file, a Truscott policy review can help you weigh the pros and cons before you make the call. Reach out anytime.