Property Insurance

The more information you include in your home insurance claim, the better. You should provide photos of the damage and any photos you have of the area before the damage occurred. Include a list of all of the damaged items with an estimated value. If there were any relevant official reports made, such as from the fire department in the event of a house fire, include those as well.

You should file a homeowners insurance claim as soon as you become aware that your home has suffered damage. Some insurance companies have deadlines for filing a claim that could be as soon as 30 days after the damage occurred. To avoid an unnecessary denial, it is recommended that you file your claim as soon as possible. 

Denied claims aren’t necessarily final. Policyholders still have the option to appeal the decision. If you met all of the conditions of your coverage and your policy covers the type of damage you are submitting a claim for, very likely you can overturn the denial. It is recommended that you hire an insurance dispute lawyer who can review the terms of your policy and help you appeal the decision.