Maximizing Your Claim

The more documentation you provide, the stronger your claim. Take extensive photos, get professional inspections, and keep detailed records. Comprehensive documentation helps ensure all damage is identified and covered.

Many homeowners don't realize that insurance may cover code upgrades, debris removal, temporary repairs, and additional living expenses if displaced. Review your policy to understand all covered items.

Include all costs in your claim: tear-off of old materials, disposal fees, permit costs, code upgrades, and any necessary structural repairs. These are often covered but must be included in your claim.

Obtain estimates from multiple reputable contractors. This helps establish the fair market value of repairs and provides leverage if the insurance offer seems low. Use the estimates to support your claim.

If the insurance settlement seems low, don't accept it immediately. Review it against your estimates, identify missing items, and negotiate. Provide documentation to support your position.

For complex or high-value claims, consider hiring a public adjuster. They work for you (not the insurance company) and can help maximize your claim. They typically charge a percentage of the settlement.