When disaster strikes your home, filing a homeowner’s insurance claim should be your safety net. But many policyholders unintentionally make mistakes that can delay or even derail their claims. At McLaurin Law, we’ve seen these mistakes time and again—and we want to help you avoid them.
- Ignoring the “Duties After Loss”
Most homeowners aren’t aware that their insurance policy includes a section called “Duties After Loss.” It outlines steps you're required to take after damage occurs—like allowing inspections, submitting proof of loss, and responding to information requests. Failing to meet these duties gives insurers an excuse to delay or deny your claim. - Not Documenting the Damage Properly
Another common mistake? Relying solely on the insurance company to document damages. Don’t do this. You must take your own photos and notes as soon as the damage occurs. The more documentation you provide, the stronger your case. - Failing to Mitigate Further Damage
If your roof is leaking after a storm and you don’t tarp it or repair it quickly, you’re risking more than water damage—you’re risking denial of your claim. Insurance companies expect you to take reasonable steps to prevent further loss, and they may deny coverage for damages that could have been prevented.
At McLaurin Law, we’ve helped countless homeowners overcome these hurdles. Whether you’re in the middle of a delayed claim or want guidance from the beginning, we’re here to fight for your rights.
FAQs
Q: What happens if I don’t follow my “Duties After Loss”?
A: The insurance company can delay or deny your claim until those requirements are met.
Q: Can I be reimbursed for temporary repairs?
A: Yes. Insurers typically reimburse reasonable costs spent on damage mitigation.
Q: When should I contact a lawyer?
A: If your claim is delayed, denied, or you feel overwhelmed, it’s time to get legal help.
Don’t let simple mistakes cost you your claim.
📞 Call McLaurin Law today at (insert phone number) for a free consultation. We're here to guide you—even if you don’t hire us. Get the help you need before it's too late.
