Filing an insurance claim doesn’t have to be complicated – but small mistakes can delay or complicate the process.
here are the most common claim errors we see – and how to avoid them.
Mistake #1: Waiting Too Long to Report
Delays in reporting can:
- Complicate investigations
- Limit available evidence
- Potentially impact coverage
Report losses as soon as possible – even if you’re still gathering details.
Mistake #2: Incomplete Documentation
Insufficient photos or vague descriptions slow things down.
Always:
- Take clear, detailed photos
- Keep receipts for emergency repairs
- Write down timelines of events
The more organized your documentation, the easier the process.
Mistake #3: Failing to Prevent Further Damage
Insurance policies require policyholders to take reasonable steps to prevent additional damage.
For example:
- Shutting off water after a pipe bursts
- Boarding up broken windows
- Covering roof damage with a tarp (if safe)
Neglecting this responsibility could affect your claim outcome.
Mistake #4: Admitting Fault Too Quickly
In auto accidents especially, fault determination follows regulated guidelines. Let the adjusters assess liability based on the facts.
Mistake #5: Not Asking Questions
Insurance language can be complex. if you don’t understand your deductible, settlement offer or repair process – ask. Your broker is your advocate.
Avoiding these mistakes helps ensure a smoother, faster claims experience.
If you ever feel unsure, our team at McFarlan Rowlands is here to guide you every step of the way.