https://youtu.be/kjjuLHnkVIc
In the attached video, Aaron Warner of Warner Fitz Martin discusses the most common mistakes policyholders make when filing an insurance claim. Understanding these pitfalls can help ensure that your claim is processed correctly and that you receive the compensation you deserve.
One of the biggest mistakes homeowners and business owners make is not fully understanding their insurance policy. Many policyholders believe they have “full coverage,” but in reality, coverage varies significantly. For example, some policies—such as those issued by State Farm in Florida—often exclude mold coverage, leaving homeowners vulnerable to unexpected costs. Additionally, recent policy changes in 2024 introduced limitations such as a 1% matching restriction on damages, which can drastically reduce payouts if you’re unaware of them.
Another critical mistake is failing to document damages properly. Many homeowners don’t take immediate photos or videos of leaks, structural issues, or other damages. Without this visual proof, it can be challenging to prove the extent of the damage when filing a claim. Additionally, lacking accurate records of previous repairs or home inspections can weaken your case. Keeping a well-organized file of home-related documents, including maintenance records and repair receipts, can make a significant difference when dealing with insurance companies.
A third common error is rushing into repairs or hiring unlicensed contractors. While it’s understandable to want to fix damages quickly, making unauthorized repairs or using unlicensed professionals can jeopardize your claim. Insurance companies may deny coverage if they believe improper repairs worsened the damage or did not follow policy guidelines.
To avoid these mistakes, it’s crucial to consult with a licensed professional before filing a claim. Whether it’s a public adjuster or a first-party property insurance attorney like those at Warner Fitz Martin, having an expert on your side can help you navigate the claims process effectively.
Contact Our Lake Worth Property Insurance Lawyers Today
If you’re unsure about your coverage or need guidance after experiencing property damage, contact Warner Fitz Martin today at 561-803-0167 or by using our online form. Our experienced attorneys will review your policy, ensure your claim is properly filed, and fight for the compensation you deserve.