Filing an insurance claim without preparation is one of the most common and costly mistakes policyholders make. The steps you take in the hours and days before you contact your insurer can directly affect how much you are paid, how quickly the claim is resolved, and whether your claim is even approved. Here is what to do first.
As soon as it is safe to do so, photograph and video every bit of damage. Capture wide shots for context and close-ups for detail. Do this before any cleanup, repairs, or debris removal. Adjusters need to see the original condition of the damage, and courts have sided against policyholders who could not provide evidence because the scene was altered too quickly. Back up your photos to the cloud immediately so nothing is lost.
While you are documenting, write down the date, time, and circumstances of the loss. For auto accidents, collect the other driver's information, insurance details, and the police report number. For property losses, note weather conditions and any contributing factors.
Pull out your declarations page and read the relevant sections of your policy before contacting your insurer. Understand your deductible, coverage limits, and any exclusions that might apply to your loss. Look for:
Most policies require you to take reasonable steps to prevent additional damage after a covered loss. If your roof has a hole, tarp it. If a window is broken, board it up. Keep every receipt for materials and labor—these costs are typically reimbursable under your policy. Never make permanent repairs until the adjuster has inspected the damage, or you risk losing part of your claim.
Before the insurer's adjuster arrives, consider getting an independent estimate from a licensed contractor. Adjusters work for the insurance company, and their initial estimate may come in lower than the actual repair cost. Having your own written estimate gives you a baseline for negotiation and helps you identify any items the adjuster may have missed.
Preparation before a claim can be the difference between a full payout and a frustrating shortfall. A Truscott policy checkup can help you understand your coverage limits, deductibles, and exclusions before a loss ever occurs—so you are never caught off guard. Reach out to make sure you know exactly what your policy covers and how to protect yourself when it matters most.
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