Top Mistakes to Avoid When Filing a Property Damage Claim

Filing a property damage claim can feel overwhelming—complex policies, tedious documentation, and unresponsive insurers can all stand in the way. At **LYG Law**, we guide clients through this intricate process, ensuring you avoid common missteps that could jeopardize your claim. Here are some critical mistakes to steer clear of:

1. Delaying Your Claim Submission

Time is of the essence. Insurance policies often impose strict deadlines for filing claims. Waiting even a few days can result in delayed payouts—or worse, outright denial.

2. Lack of Thorough Documentation

Failing to document the extent of your damage thoroughly can weaken your position. Take clear, timestamped photographs, videos, and keep receipts for any temporary repairs you’ve made. These records can make or break your case.

3. Misunderstanding Your Policy Coverage

Without understanding whether your policy covers fire, lightning, wind, water damage, theft, or vandalism, you may unintentionally limit your claim. LYG Law represents policyholders whose insurance claims have been delayed, denied, or underpaid.

4. Communicating Without Legal Guidance

Speaking with insurance adjusters without professional counsel may lead to misinterpretation, misrepresentation, or unintentional acknowledgement of fault. Our firm, with its background in advocating for insurers, deeply understands their strategies—and knows how to effectively counter them on your behalf

5. Accepting the First Settlement Offer

Insurers may offer quick settlements to close your case early—even if it’s far below what you deserve. Always consult with a skilled firm like LYG Law before accepting any offer to ensure you receive fair compensation.

6. Ignoring Policy Payout Details

Your settlement might exclude important elements—like code upgrades, temporary housing, or lost use of your property. Carefully review all claims and include every valid expense. LYG Law ensures comprehensive assessments to prevent missed compensation opportunities.

7. Going It Alone When Facing Roadblocks

If your claim is denied or disputed, handling the appeal alone can be daunting. LYG Law represents homeowners navigating denied, delayed, or underpaid claims—and we're dedicated to securing the fair outcomes you’re entitled to.

8. Letting the Process Become Stressful

Dealing with property damage is stressful enough. Trying to manage a complex legal claim on top of everything else can take a toll. LYG Law prides itself on accessibility and tailoring its approach to each unique case, reducing your burden throughout the process.