Know Your Legal Rights – Storm Season Survival: Navigating Home Insurance Claims

One of the most common types of homeowner's insurance claims is due to wind, water, and hail-related losses after a storm. In 2023, the National Weather Service recorded 132 severe hail events, 221 severe wind events, and 20 tornados in Wisconsin.

Any number of these events can give rise to a claim for damage. Policyholders often receive less from their insurers than they expect and feel lost in the claim process. Here are eight tips to make your claim successful.

Be Aware of the Insurance Coverage You PurchasedReview any annual changes to your policy. If you see any errors, make sure to get those corrected in a timely manner.

Document EverythingTake photographs and videos at the earliest opportunity. Document any damaged or missing property and any steps you are taking following the loss. Be specific and include the make/model and age of items where possible.

Keep a diary of the dates and times of anyone that you talk to as well as their respective contact information. Keep track of anything you believe is damaged even after the adjuster leaves your property as additional items may come to your attention later.

Promptly Notify Your Insurance Agent After a LossDon't delay! Reporting your claim promptly is crucial. If the damage forces you to vacate your home, ensure your insurer has your updated contact information.

Take Reasonable Steps to Protect Your Property From Further DamageYou cannot make permanent repairs until your insurance adjuster has a chance to assess the damage. However, if temporary repairs are necessary to protect your property from further damage and you can do so, you should make them. In some cases, your insurance company will hire others to assist you with this.

Make a List of Items That You May Need Help with on a Temporary BasisThis may include temporary living arrangements and money to replace lost food while repairs are made to your home.

Be Prepared For the Insurance AdjusterMake a list of things you want to show the insurance adjuster before the assessment. This could include things like broken windows, cracks in the walls, missing or broken ceiling tiles, and water damage. Also include items that may not be visible to the naked eye, such as electrical damage.

Save All CommunicationYou should always keep a copy of any written communication between yourself and your insurer, claims adjuster, agent, or contractors/repair workers. This includes any text messages. You will likely be expected to complete paperwork, such as a proof of loss form, or other claim paperwork during this process.

Seek Legal AdviceTalk to an attorney experienced in handling these claims if you have concerns about what you are being asked to provide or disagree with the claim payments being offered to you by your insurer.

Mackenzie Campbell is a partner at Doar Drill & Skow in New Richmond, Wisconsin. Mackenzie has litigated many insurance coverage disputes through trial and at the appellate court level. To find an attorney near you, contact the State Bar of Wisconsin Lawyer Referral and Information Service, which connects Wisconsin residents with lawyers throughout the state. Learn more at wislaw.org.