Filing an insurance claim for the first time can be overwhelming, but understanding the process can help you feel more confident. Here’s what to expect and how long it typically takes.
Step 1: Reporting Your Claim
The first thing you need to do is call your insurance company and report the claim. They will ask basic questions such as:
- What caused the damage?
- What damages are you aware of?
- When did the loss occur?
- Where were you at the time of the incident?
Once you provide this information, the insurance company will assign an adjuster to investigate your claim. Before calling, ensure you understand what’s covered in your home insurance policy to avoid surprises.
It’s also essential to document the damage as soon as possible. Take clear photos and videos, and if possible, gather receipts for damaged items. See why taking pictures is crucial for your claim.
Additionally, consider filing a police report if applicable, especially in cases of vandalism or theft. This can serve as an extra layer of evidence for your claim.
Step 2: The Adjuster’s Investigation
An adjuster will visit your property to inspect the damage. During this visit, they will:
- Take photos of the damage
- Measure affected areas
- Ask you questions about the event
- Possibly request a recorded statement
Important Tip:
It’s crucial to be honest and provide any requested information. If you refuse to cooperate or provide false information, your claim may be denied entirely. Learn how to avoid common pitfalls when giving recorded statements to prevent jeopardizing your claim.
If the damage involves your roof, learn how to maximize your roof claim payout and ensure your settlement covers all necessary repairs.
Step 3: The Adjuster’s Report and Estimate
After the inspection, the adjuster will compile a report determining whether your loss is covered under your policy. If they approve your claim, they will provide an estimate outlining what they believe the insurance company owes you. However, insurance companies often depreciate claims unfairly—make sure to verify their calculations.
If your claim is related to water damage, make sure you understand how to handle water damage claims properly to avoid costly mistakes.
Understanding the Fine Print
Insurance companies may include clauses that limit payouts for certain damages. Learn about additional living expenses and loss of use so you’re not caught off guard if you need to relocate temporarily due to extensive damage.
Claim Timelines: How Long Does It Take?
Claim timelines vary by state. In Florida, insurance companies are required to investigate and pay a claim within 60 days of the date you reported it. However, delays can occur. By the end of this period, you should receive a determination letter explaining the outcome of your claim.
If you’re worried about how a claim might impact your policy, check out what happens to your policy when you file a claim to ensure you’re informed.
Possible Claim Outcomes
Once your insurance company reviews the adjuster’s findings, they will issue a decision:
- Approved & Paid – Your claim is covered, and you receive a check along with a copy of the estimate.
- Denied – The insurance company states the loss is not covered and provides a reason.
- Below Deductible – The claim is covered, but the damages do not exceed your deductible, so you receive no payment.
At this point, the insurance company considers the claim closed. Learn why some claims get denied and what you can do about it.
What to Do If Your Claim Is Denied
If your claim is denied or undervalued, don’t assume the decision is final. Many homeowners accept insurance company decisions without realizing they may be entitled to more. This is where getting a second opinion from a public adjuster can make all the difference.
If your insurance company claims your damage is “old,” don’t panic. Find out if they are right before giving up on your claim.
Get a Second Opinion: The Role of a Public Adjuster
Public adjusters work for you—not the insurance company. They can provide a free claim review to determine if your claim was handled fairly. If you suspect your payout is too low or your claim was wrongfully denied, we can help you fight for what you deserve.
✅ Call us now at 833-726-8437 for a free consultation!
✅ Submit your policy for a free review at Claims@PantherPA.com to ensure you’re fully covered.
✅ Visit our website to learn more about how we can help.
Learn More About Navigating Insurance Claims
📌 Are You Getting the Full Payout You Deserve? – Find out expert strategies for maximizing your claim.
📌 Roof Damage? Avoid These Costly Mistakes – Know what to do after severe weather damage.
📌 Protect Your Home: Insurance Tips for Short-Term Rentals – A must-read for rental property owners.
📌 Facing an Examination Under Oath? Know Your Rights – Protect yourself from unfair questioning by insurance companies.
Stay Informed & Protect Your Home
▶️ Watch expert videos on home insurance claims on our YouTube channel.
📢 Engage with other homeowners and get insider tips by joining our Facebook group, Anything About Property Insurance Claims 101.
Your insurance company hopes you accept their first offer—but you don’t have to. Call Panther Public Adjusting today and let’s fight for what you deserve!