When Filing a Home Insurance Claim

Avoid Admitting Fault or Speculation

Never admit fault or speculate about causes when filing your claim. Phrases like "I should have fixed that roof sooner" or "I probably caused this by..." can be used against you to deny coverage. Stick to factual observations about what happened without assigning blame to yourself or others.

Similarly, avoid guessing about the cause of damage. Saying, "I think it might have been..." or "It probably happened because..." introduces uncertainty that adjusters can exploit. If you don't know exactly what caused the damage, simply state that the cause is unknown and let the investigation determine the facts.

Don't Exaggerate or Minimize Damage

Resist the temptation to overstate damage to increase your settlement. Insurance companies have experienced adjusters and sophisticated fraud detection methods. Exaggerating claims can result in denial, policy cancellation, or even criminal charges for insurance fraud.

Conversely, don't minimize legitimate damage by saying things like "it's not that bad" or "we can probably live with it." This can reduce your settlement amount and leave you unable to properly repair your home. Document and report all damage objectively without editorial commentary.

Avoid Discussing Policy Details You're Unsure About

Don't make statements about your coverage limits, deductibles, or policy exclusions unless you're absolutely certain. Phrases like "I don't think this is covered" or "My policy probably doesn't include this" can influence how adjusters approach your claim. Let them determine coverage based on your actual policy language.

Similarly, avoid discussing previous claims or comparing your current situation to past experiences unless specifically asked. This information can affect how your claim is evaluated and potentially impact your rates or coverage.

Don't Accept Quick Settlement Offers

Avoid saying "that sounds fair" or "I'll take it" when presented with initial settlement offers. Insurance companies often start with lower offers, expecting negotiation. Take time to review any settlement proposal, get independent repair estimates, and consult with professionals if needed.

Don't express desperation by saying things like "I just need this resolved quickly" or "I'll accept whatever you offer." This weakens your negotiating position and may result in inadequate compensation.

Steer Clear of Absolute Statements

Avoid using absolute terms like "never," "always," "definitely," or "impossible" when describing circumstances. These definitive statements can be challenged and may contradict evidence discovered during the investigation.

Instead of saying, "The window was definitely closed" or "I never leave candles burning," use more measured language like "To the best of my recollection" or "I believe." This protects you from potential contradictions while maintaining honesty.

Remember that insurance adjusters are trained to listen carefully to your statements. Stay factual, avoid speculation, and don't volunteer information beyond what's asked. When in doubt, consult with a public adjuster or attorney before making statements that could impact your claim.