• Welcome to Before the ClaimLearn how to successfully file an insurance claim while avoiding common mistakes and insurer tricks that keep you from recieving the benefits you paid for.
  • Before the Claim Article: 6 Common Mistakes People Make Common Mistakes People Make Before Filing A Homeowner’s Insurance Claim
  • Before the Claim: Did You Know:
The most frequent causes of homeowner’s claimsThe most frequent causes of homeowner’s claims are wind, hail, and water damage.
  • Before the Claim: Frequently Asked QuestionsWhen should I file my homeowner’s insurance claim?
  • Before the Claim: Article:
4 Tactics Homeowner’s Insurance
Companies Use4 Tactics Homeowner’s Insurance Companies Use to Deny Your Claim
  • Before the Claim: Did You Know: In any given year, approximately 7 percent of insured homeowner’s filed a claim.In any given year, approximately 7 percent of insured homeowner’s filed a claim.
  • After the ClaimAlready filed an insurance claim? Are the insurers giving you the run around? Avoid common mistakes and learn the tricks the insurer use to keep you from receiving the benefits you paid for. Learn how to get through the red tape and get what you are owed with less hassle! Learn More!
  • Before the Claim: Did You Know: In terms of dollars, jewelry was 
the top category for claims covered 
by homeowner’s insurance policies.In terms of dollars, jewelry was the top category for claims covered by homeowner’s insurance policies.
  • Before the Claim: Frequently Asked QuestionsHow is my homeowner’s insurance claim going to be evaluated?
  • Before the Claim: Did You Know: The average premium for homeowner’s insurance 
in 2012 was $909The average premium for homeowner’s insurance in 2012 was $909
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Steps to Take BEFORE Filing A Homeowner’s Insurance Claim

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So a disaster has just happened. You’re still in shock and wondering how to secure the safety of your loved ones. Whether you just survived a fire, flood, or tornado, you share a terrifying experience that millions of Americans endure every year.

When your family is safe, it’s time to begin the rebuilding process. But do you know where to begin?

Before filing your homeowner’s insurance claim, make sure to follow these steps that can help you secure a quick claim payout.

1: Get to Know Your Policy

Knowing the language of your homeowner’s policy is an important part of owning a home. It becomes especially important when you actually want to file a claim.

Your policy will tell you what is covered and what is not. Homeowner’s should have a general idea of their coverage because of the cost of the premium. If you went with the lowest possible premium, you might not be covered for all damage. Your policy will also give you a general idea of the claims process and how to file a claim.

2: Document the Damage

Documenting the damage starts long before disaster strikes. Homeowner’s should have receipts of their valuable property. In addition, homeowner’s should keep receipts from their premium payments as unpaid premiums will often result in an automatically denied claim.

If at all possible without risking safety, document the cause of the damage to your home while it’s happening. This can help prove that damage to your home should be covered by your insurance company.

3: Do as Much as Possible as Fast as Possible

Time is a factor when filing a homeowner’s insurance claim. You want to have as much taken care of BEFORE a disaster hits so you can act as quickly as possible. Failing to act promptly could result in a lower claim payout or even a complete denial.