Top Mistakes Homeowners Make When Filing an Insurance Claim

How to Avoid Underpayment and Delays by Steering Clear of Common Errors

Your insurance claim becomes one of the most important steps toward recovery when property damage strikes, whether from water, fire, or a natural disaster. Unfortunately, many homeowners unintentionally make mistakes during the process that can lead to delayed payments, reduced settlements, or even denied claims.


At Forerunner Claims Consultant, we have seen these pitfalls firsthand and know how to help homeowners avoid them. Here are the top mistakes to watch for and how to protect yourself.


1. Waiting Too Long to Report the Damage

Insurance companies expect claims to be filed promptly. Delays in reporting can raise red flags, give insurers reason to question the cause of damage, and sometimes result in denial.


What to Do Instead: Notify your insurance company as quickly as possible after the damage occurs. At the same time, consult with a public adjuster who can help you file correctly from the start.


2. Failing to Document the Damage Thoroughly

One of the most common reasons for underpayment is incomplete documentation. Relying only on the insurance adjuster’s photos often results in missing details.


What to Do Instead: Take clear photos and videos of all visible damage before any cleanup or repairs begin. Keep receipts for temporary repairs and expenses such as hotel stays or meals if you are displaced. A public adjuster can help ensure nothing is overlooked.


3. Accepting the First Settlement Offer

Insurance companies often start with a low offer, hoping the homeowner will accept quickly. Many claims are worth significantly more once the full scope of damage is evaluated.


What to Do Instead: Review the settlement offer carefully and compare it against your actual costs. Do not feel pressured to sign right away. Having a public adjuster on your side means someone is negotiating for the maximum amount you are entitled to.


4. Overlooking Hidden or Long-Term Damage

Some damage is not immediately apparent. Water that seeps into walls or smoke that infiltrates ventilation systems may not show up until months later. If these issues are not included in your initial claim, you may be left paying out of pocket.


What to Do Instead: Request a comprehensive inspection. Experienced adjusters know how to identify both visible and hidden damage and include it in your claim.


5. Misunderstanding Your Policy Coverage

Insurance policies are filled with complex language, making it difficult to know what is covered and what is excluded. Misinterpretations often lead to mistakes in filing, which can delay or reduce your claim.


What to Do Instead: Have your policy reviewed before filing. A public adjuster can explain the details in plain language and ensure your claim is filed in alignment with your coverage.


6. Handling the Claim Alone

Many homeowners assume the insurance company’s adjuster will act in their best interest. In reality, that adjuster works for the insurer and is there to protect the company’s bottom line.


What to Do Instead: Hire a licensed public adjuster who works exclusively for you. With an advocate on your side, you can level the playing field and maximize your settlement.


Final Thoughts

Filing an insurance claim is not just about paperwork. It is about making sure you receive a fair settlement that allows you to fully recover from your loss. By avoiding these common mistakes and partnering with a trusted public adjuster, you can protect yourself from underpayment and unnecessary delays.


Forerunner Claims Consultant is here to help. Contact us today for a free consultation and let us pave the way to your fair claim settlement.

What Is a Public Adjuster and Why Should You Hire One?

September 12, 2025
When property damage occurs, most homeowners and business owners assume their insurance company will handle everything fairly. After all, you pay your premiums, so you expect the insurer to step up when disaster strikes. Unfortunately, insurance companies often focus on limiting payouts and protecting their own bottom line. This is where a public adjuster comes in. At Forerunner Claims Consultant , we represent policyholders, not insurance companies. Here is what you need to know about the role of a public adjuster and why hiring one can make a big difference in the outcome of your claim. What Is a Public Adjuster? A public adjuster is a licensed professional who advocates exclusively for policyholders during the insurance claim process. Unlike the adjusters sent by your insurance company, who work for the insurer, a public adjuster works for you. Their responsibilities include: Reviewing your insurance policy to understand your coverage Inspecting and documenting all property damage in detail Preparing a comprehensive claim package Negotiating directly with the insurance company on your behalf Ensuring you receive the maximum settlement allowed under your policy Why Insurance Company Adjusters Are Not Enough When your insurance company sends an adjuster, it is important to remember who that person works for. Their goal is to protect the insurance company’s financial interests, which often means minimizing claim payouts. This can leave you with less money than you need to repair your home or business properly. A public adjuster levels the playing field by representing only your best interests. The Value of Hiring a Public Adjuster 1. Maximized Settlements Public adjusters know how to uncover hidden damages and accurately calculate the full cost of repairs. Studies consistently show that claims handled with a public adjuster result in higher settlements than those handled alone. 2. Reduced Stress and Confusion Insurance claims involve paperwork, inspections, and negotiations that can feel overwhelming. With a public adjuster handling the details, you can focus on moving forward instead of battling with your insurer. 3. Faster Claim Resolution Public adjusters know the claim process inside and out. By submitting complete documentation and pushing back on delays, they help resolve claims more efficiently. 4. Expert Guidance on Complex Claims Water damage, fire, smoke, and catastrophe claims often include hidden issues and complicated policy language. A public adjuster ensures nothing is overlooked and that your settlement reflects the full scope of your loss. When Should You Hire a Public Adjuster? When you have significant damage to your home or business When your claim is denied or underpaid When the insurance policy is difficult to interpret When you want an advocate who works solely for you Final Thoughts Insurance companies have their own adjusters and teams working to protect their bottom line. You deserve the same. A public adjuster is your ally throughout the process, ensuring your claim is handled fairly and your settlement is as strong as possible. At Forerunner Claims Consultant, we are here to advocate for you. Contact us today for a free consultation and let us pave the way to your fair claim settlement.