What to Do Before You File a Homeowners Claim

When damage strikes your home, whether from a burst pipe, windstorm, or unexpected accident, it’s natural to want to act quickly. But before you rush to file a homeowners insurance claim, it’s wise to take a step back and evaluate the situation carefully.

Before filing a homeowners claim, take a quick pause. Your first move should be to document everything. Take clear, detailed photos of the damage from multiple angles. If possible, include timestamps and keep any related receipts. This documentation not only helps support your claim but also serves as a record in case disputes arise later.

Next, find your insurance policy and review the coverage details. Check your deductible — this is the amount you’ll pay out-of-pocket before insurance covers the rest. In many cases, especially with minor damage, the cost of repairs may fall close to or even below your deductible. Filing a claim in such cases might bring little financial benefit and could still affect your future premiums.

Small issues might cost less to fix out-of-pocket than the long-term hike in your premiums. Insurance is designed to protect against significant loss, not every small maintenance issue. Using it for frequent or low-cost repairs can impact your claims history and may influence your rates or renewal terms down the road.

Finally, don’t hesitate to consult your insurance agent. And if in doubt, call your agent to walk through your options first. A trusted advisor can help you understand how a claim might affect your policy and whether it makes sense to proceed. They can also guide you through any documentation requirements or help connect you with preferred service providers.

Making an informed decision before you file protects not just your home, but also your long-term financial picture. A little preparation today can make a big difference in how your coverage works for you tomorrow.