The homeowners insurance claims process after property damage can be frustrating and confusing. Many homeowners assume that their insurance company will fully cover their losses, only to find themselves facing delays, underpayments, or even denied claims.
At A H Neaman Company, we help homeowners in Pennsylvania (PA), West Virginia (WV), and Maryland (MD)navigate the insurance claims process, ensuring they receive the maximum payout they deserve. Whether you’ve suffered damage from a fire, storm, water, or another disaster, understanding the do’s and don’ts of filing a claim can make all the difference.
Do’s: Steps to Take for a Successful Insurance Claim
1. Document the Damage Immediately
As soon as it is safe to do so, take clear photos and videos of the damage. This includes:
- Structural damage to walls, ceilings, and floors
- Damage to personal belongings and furniture
- Exterior damage (roof, siding, landscaping)
- Any standing water or smoke residue
The more detailed your documentation, the stronger your claim will be.
2. Review Your Homeowners Insurance Policy
Many homeowners don’t realize what their policy does and does not cover. Review your policy carefully to understand:
- Your coverage limits
- Exclusions or restrictions
- Deductibles and additional living expenses (ALE) coverage
Not sure how to interpret your policy? A H Neaman Company can help you understand your coverage and advocate for a fair settlement.
3. Notify Your Insurance Company Right Away
Most insurance policies require that you report a loss as soon as possible. Delaying your claim could lead to:
- Claim denial due to late reporting
- Disputes over when the damage occurred
- More extensive damage if repairs are delayed
Be sure to get a claim number and keep a record of all conversations with your insurance company.
4. Mitigate Further Damage
Homeowners are required to take reasonable steps to prevent further damage after a loss. For example:
✅ If you have water damage, remove excess water and use fans to dry the area
✅ If your roof is damaged, place a tarp to prevent leaks
✅ If there’s fire damage, board up broken windows to secure your home
Failing to mitigate damage could result in claim denial or reduced compensation.
5. Keep All Receipts and Records
Track all expenses related to your loss, including:
- Temporary repairs
- Hotel stays and meals (if displaced)
- Cleanup costs
These costs may be reimbursable under your policy’s additional living expenses (ALE) coverage.
6. Consider Hiring a Public Adjuster
Insurance companies have their own adjusters who work to minimize payouts. A public adjuster, like A H Neaman Company, works for YOU, ensuring that your claim is:
- Properly documented
- Accurately assessed
- Fairly negotiated
We handle fire, water, storm, and all major property damage claims in PA, WV, and MD—and we fight to get you the settlement you deserve.
Don’ts: Mistakes to Avoid When Filing a Homeowners Insurance Claim
1. Don’t Accept the First Settlement Offer Without Review
Insurance companies often offer low initial settlements to save money. While it may seem tempting to accept a quick payout, this amount may not fully cover your damages.
A public adjuster can assess whether the offer is fair and negotiate for a higher payout if needed.
2. Don’t Sign Anything Without Understanding It
Insurance companies may ask you to sign:
- A proof of loss statement
- A settlement agreement
- A release form that limits future claims
Before signing anything, consult with a public adjuster to ensure you’re not waiving your rights to additional compensation.
3. Don’t Exaggerate or Misrepresent Damages
Honesty is key when filing a claim. If the insurance company discovers false or exaggerated claims, they may:
🚨 Deny your entire claim
🚨 Cancel your policy
🚨 Take legal action
Provide accurate documentation and let the experts at A H Neaman Company present your case properly.
4. Don’t Rely Solely on the Insurance Company’s Adjuster
Insurance company adjusters work for the insurer, not you. Their goal is to limit the payout by:
- Underestimating repair costs
- Overlooking hidden damage
- Denying certain claim elements
Hiring a public adjuster ensures you have someone on your side who will conduct an independent assessment and negotiate for a fair settlement.
5. Don’t Delay Repairs Without Approval
While you need to prevent further damage, don’t start major repairs until your claim is approved. Otherwise, the insurance company might:
❌ Refuse to cover certain repairs
❌ Dispute the cause of damage
❌ Pay less than what’s needed
If you’re unsure about the timing of repairs, consult with A H Neaman Company for expert guidance.
Why Choose A H Neaman Company?
Dealing with property damage is stressful enough—you shouldn’t have to fight with your insurance company too. As experienced public adjusters in PA, WV, and MD, we:
✔ Handle all claim negotiations to maximize your payout
✔ Document every detail to strengthen your claim
✔ Ensure fair treatment so you aren’t underpaid or denied
Whether you’ve suffered fire, water, storm, or another property loss, we are here to help you navigate the process and get the compensation you deserve.
Let us take the stress off your shoulders—we work for YOU, not the insurance company!
