5 Ways You Could Hurt Your Property Damage Claim — And What to Do
Published:
February 19, 2026
If you are going to be filing a property damage claim, you will obviously want to do everything in your power to ensure that your insurance provider pays out. However, the situation is extremely delicate, so it is important to know how to go about it in order to avoid negatively affecting the strength of your claim. Here are five ways in which you could possibly hurt it – and what to do instead.
Neglecting to Record Evidence of the Damage
You will need to gather as much evidence of the damage as possible in the form of photographs, video footage, and notes. Always take the time to document any damage that you may notice, the moment that you notice it. The evidence that you collect should also include keeping a detailed record of any and all communication between you and your insurance provider regarding the property damage claim.
Getting Rid of Damaged Items or Materials
There is a good chance that your insurance provider will want to inspect these damaged items or materials before approving or denying your claim. Make sure that you have them on hand if and when this time comes!
Getting Emotional During Communication With the Insurer
It is imperative that you keep all communication between you and the insurer strictly professional. Letting emotions, such as anger, get in the way can lead to them turning the situation against you. Stay calm and remain focused on the facts.
Neglecting to Get a Second Opinion
The company that your insurer sends to inspect the damage on your property works for them and has their best interests at heart. As such, it pays (literally) to get a second opinion from an objective professional. You never know what details may have been missed that could help you to increase the overall value of your property damage claim.
Forgetting to Rope in the Experts
If you have a property damage claims lawyer or property damage claims attorney on your side, you will not have to worry about rejected or under-paid claims as he or she will be there to guide you every step of the way. The goal is to get you the settlement that you deserve based on your unique circumstances.
For information about property damage claims and hiring a property damage claims lawyer, do not hesitate to get in touch with Shamis & Gentile, P.A. today!
