When disaster strikes—a burst pipe, a kitchen fire, storm damage—your first thought is probably, “Am I covered?” The good news is, if you have homeowners insurance, you probably are. But getting from “something went wrong” to “check in hand” isn’t always smooth sailing. Understanding how to handle the home insurance claims process can help you avoid delays, reduce stress, and increase the chance of a fair settlement.

Here’s how to handle a home insurance claim like a pro.

Common Mistakes That Can Derail Your Claim

Life doesn’t pause just because your kitchen flooded or a tree landed on your roof. You’ve still got work, kids, pets, and bills to manage — and now you’re supposed to become an insurance expert too? That’s a tall order. No wonder so many homeowners run into trouble.

Here are some of the most common mistakes we see — and how to avoid them:

• Delaying the claim. Waiting too long to notify your insurer can cause problems or denial. File as soon as it’s safe.
• Skipping documentation. Always photograph and video damage before cleanup. More proof = stronger case.
• Failing to prevent further damage. Your policy expects you to stop things from getting worse. Tarp that roof. Shut off that water.
• Throwing away evidence too fast. Don’t toss damaged items before documenting them or getting the all-clear.
• Assuming everything is covered. Mold, sewer backup, and flooding are often excluded unless you added extra coverage.
• Accepting the first settlement without review. Adjusters make mistakes. Double-check every line. Speak up if something’s off.
• Starting major repairs too soon. Unless it’s to prevent further damage, wait until the adjuster signs off.
• Forgetting to track everything. Use logs for expenses and communication. It helps if you need to appeal.
• Not asking for help. You don’t have to go it alone. The AHA Toolkit includes scripts, checklists, and steps for every phase.

Take a breath. You’ve got this — and if you slip up on one of these, don’t panic. Just correct course and keep going.

Good news: you’re not on your own. AHA has put together an expert-backed toolkit filled with checklists, scripts, logs, and real-world advice to help you file your claim with confidence and clarity. It’s like having a claims coach in your corner.

Step 1: Stay Safe and Prevent Further Damage

Before anything else, make sure everyone in your home is safe. Then, if it’s safe to do so, take immediate steps to prevent more damage. This could mean shutting off your main water valve, boarding up broken windows, or putting a tarp over a leaking roof.

Pro Tip: Most policies require you to mitigate further damage. Failing to do so could reduce your payout.

Step 2: Document Everything Thoroughly

Take photos and videos of all the damage before you clean up or make repairs. Capture close-ups and wide shots. If belongings were damaged, list them with estimated values. Use the AHA Homeowners Insurance Claim Prep & Documentation Toolkit to log everything properly and stay organized.

Watch Out: Don’t throw anything away too soon. Your insurer may need to inspect the damage in person or via photos.

Step 3: Contact Your Insurance Company Promptly

File the claim as soon as possible. Many insurers allow online or app-based claims, but a phone call to your agent can also help you understand your coverage and next steps. Ask about your deductible, coverage limits, and timeline.

Pro Tip: Use the talking scripts in the AHA Toolkit if you’re unsure what to say.

Step 4: Meet the Adjuster (And Be Prepared)

An insurance adjuster will likely visit your home to assess the damage. Be present if possible. Walk them through what happened and share your documentation.

Pro Tip: Keep a claims journal. Note dates of conversations, names, and what was discussed. This can be useful if there are disputes.

Step 5: Get Repair Estimates

Even if your insurer suggests contractors, you can (and should) get your own repair estimates. This ensures the payout amount is realistic. Use AHA’s contractor vetting script in the Toolkit to avoid shady operators.

Pro Tip: AHA Members gain access to the AHA Contractor Finder that uses AHA’s proprietary algorithms to make finding the most qualified contractors a breeze—for your claim—or any home service needs.

Step 6: Review the Settlement Offer Carefully (and What to Do If It’s Not Enough)

Once the adjuster provides a settlement offer, review it. If it seems too low, provide your own estimates and photos. Don’t be afraid to negotiate. You can also hire a public adjuster if you believe the insurance adjuster’s estimation is off.

Watch Out: Accepting a check may waive your right to contest the amount later. Read any fine print carefully.

Step 6B: What to Do If the Offer Feels Too Low

If your claim is denied or the payout seems too small, you’re not stuck. You have options, and many homeowners win reconsideration just by staying organized and persistent.

1. Request a detailed explanation. Ask your insurer to explain exactly why coverage was denied or why the payout was limited. It may be based on outdated estimates or missed damage.
2. Submit a formal request for reconsideration. The AHA Toolkit includes a customizable letter template you can use to request a review. Include photos, repair estimates, receipts, and any other supporting evidence.
3. Follow up within the window. Most policies give you 30–60 days to appeal. Don’t wait.
4. Escalate if needed. If your appeal isn’t successful, consider:
   • Requesting a third-party appraisal (often built into your policy).
   • Filing a complaint with your state insurance department.
   • Consulting a licensed public adjuster for complex or large claims.

Pro Tip: Every step, email, and call counts. Keep detailed notes using the AHA Toolkit’s claim log templates.

Step 7: Track Repairs and Final Payments

As repairs are completed, keep records of all receipts, invoices, and inspections. Depending on the size of the claim, your insurer may issue payments in stages.

Pro Tip: The AHA Toolkit includes templates for tracking expenses and contractor paperwork to keep everything organized.

Conclusion: Be Your Own Advocate

Handling a home insurance claim isn’t just about paperwork—it’s about being proactive and persistent. Know your policy, document everything, and don’t hesitate to ask questions or push back when needed.