What to Avoid Saying When Filing a Homeowners Insurance Claim
Filing a homeowners insurance claim can be stressful, especially when your roof or home has sustained damage. But did you know that what you say during the claims process could impact whether your claim is approved or denied? Many homeowners unintentionally make statements that lead to reduced payouts—or worse, a rejected claim.
Litespeed Construction, a trusted Asheville, NC roofing company, understands the complexities of the insurance claim process and wants to help homeowners avoid costly mistakes. In this guide, we’ll explore what to avoid saying when filing a homeowners insurance claim, provide insights from government sources, and offer expert tips to protect your home and finances.
Key Takeaways
💡Be Mindful of Your Words—They Can Impact Your Claim Outcome
💡Documentation and Professional Assessments Strengthen Your Claim
💡Avoid Accepting the First Offer—Negotiation is Key
💡A Trusted Roofing Contractor Can Make the Process Easier
Why Choosing Your Words Carefully Matters
Homeowners insurance companies operate as businesses, aiming to minimize payouts where possible. Insurance adjusters are trained to assess damages critically, and sometimes even a simple comment can be used against you. The words you use could:
- Lead to a lower settlement than expected
- Cause your claim to be denied
- Result in your policy being flagged for higher premiums or future cancellations
By knowing what to avoid saying when filing, you can navigate the claims process more effectively and ensure a fair outcome.
What to Avoid Saying When Filing a Homeowners Insurance Claim
1. "It Was My Fault"
Even if you think you contributed to the damage, never admit fault outright. Insurance companies use this as a reason to deny your claim under the assumption that negligence played a role.
✅ Instead: Stick to the facts. Say, “My home sustained damage due to the storm on [date].”
2. "I Think It’s Not That Bad"
Underestimating the severity of the damage can lead to a lower claim payout. If you downplay the issue, the adjuster may assume repairs are minor and approve only a partial payment.
✅ Instead: Let the professionals assess the damage. Say, “I’d like a licensed contractor to evaluate the extent of the damage.”
3. "This Is Just Normal Wear and Tear"
Insurance policies do not cover r or lack of maintenance. If you imply that damage resulted from aging, your claim might be denied under the pretext that it was preventable.
✅ Instead: Focus on the event that caused the damage. Say, “The storm caused missing shingles and water intrusion.”
4. "I Didn’t Notice the Damage Right Away"
Delaying your claim could make it seem like the damage worsened due to inaction, which might result in a denial. Many policies require claims to be filed within a certain timeframe.
✅ Instead: If you just discovered the damage, say, “I noticed the damage on [date] and am reporting it immediately.”
5. "I Don’t Have an Itemized List of Damages"
A vague claim can lead to a lower settlement. Insurance adjusters rely on detailed damage reports, and lacking documentation weakens your case.
✅ Instead: Provide specifics. Say, “I have a list of damages and photos to support my claim.”
6. "I Don’t Think I Need a Contractor’s Estimate"
Relying solely on the insurance company’s adjuster may result in a lower estimate than the actual repair costs. A trusted roofing company like Litespeed Construction can provide an independent assessment.
✅ Instead: Get a second opinion. Say, “I’d like to compare the insurance estimate with a contractor’s evaluation.”
7. "I’ll Accept Whatever You Offer"
Accepting the first settlement offer without negotiation can leave you with out-of-pocket expenses. Insurance companies often propose lower initial payouts.
✅ Instead: Say, “I’d like to review the offer and discuss any discrepancies.”
8. "I Don’t Remember What Happened"
Being unsure or inconsistent with details can make your claim seem less credible. Insurance adjusters may suspect fraud or misrepresentation.
✅ Instead: Keep it clear and concise. Say, “The storm on [date] caused damage to my home.”
9. "I Didn't Read My Policy"
If you admit that you’re unfamiliar with your policy, an adjuster may exploit policy loopholes to minimize your payout.
✅ Instead: Say, “I have reviewed my policy and believe this damage is covered.”
10. "Should I Still File a Claim?"
Asking an insurance representative whether you should file a claim can be risky. If they make a note of your inquiry, it may count as a claim—even if you never proceed.
✅ Instead: Consult a professional first, such as Litespeed Construction, to assess whether filing is the best course of action.
Statistics & References on Homeowners Insurance Claims
To highlight the importance of being cautious during the claims process, here are some key insights:
Statistic
📉 5.1% of insured homes filed a claim in 2021
⛈️ 34.4% of claims were related to wind and hail damage
💰 The average homeowners insurance claim payout – $14,240
📊 25% of claims are initially underpaid
How Litespeed Construction Can Help
As Asheville’s leading roofing company, Litespeed Construction specializes in helping homeowners navigate the insurance claims process. Our team offers:
✔️ Free Roof Inspections – We assess damage before you file.
✔️ Insurance Claim Assistance – We help document and submit your claim.
✔️ Expert Repairs & Replacements – We ensure your home is restored properly.
We work with homeowners across North Carolina to ensure they receive the compensation they deserve.
FAQs: Homeowners Insurance Claims
Most policies require claims to be filed within one year of the incident, but check your policy for specifics.
Yes. Admitting fault, downplaying damage, or giving inconsistent information can lead to a denial.
You can appeal the decision with additional evidence, hire a public adjuster, or seek legal advice. Read more about what to do with claim denials here.
It’s possible, especially if you file multiple claims within a short period.
Yes, a licensed contractor can provide a detailed assessment to compare with the insurance adjuster’s estimate.
You can negotiate, provide additional evidence, or request a re-evaluation.
Not necessarily. Damage from poor maintenance or normal wear and tear is typically excluded.
Yes, you have the right to hire the contractor of your choice.
Document all damage, get professional estimates, and communicate clearly with your insurer.
It’s best to call a trusted roofing contractor first to assess the damage before involving your insurance company.
Roof Inspection Costs
So, how much is a roof inspection in North Carolina? The cost is a small price to pay for the long-term benefits it offers. From preventing costly repairs to extending the lifespan of your roof, regular inspections are an essential part of home maintenance. Whether you’re looking at a basic visual inspection or a more comprehensive evaluation, understanding roof inspection cost in NC can help you make an informed decision. If you haven’t had your roof inspected recently, consider scheduling one soon to ensure your home stays protected, no matter what Mother Nature throws your way.