Dealing with insurance claims can be confusing. There are a lot of myths that make the process harder than it needs to be. We’re here to clear things up.

Here are 7 common myths—and the truth behind them:

Myth 1: All Natural Disasters Are Covered
Fact: Standard policies often don’t cover floods or earthquakes. You’ll likely need extra coverage for those.

Myth 2: Filing a Claim Always Raises Your Premium
Fact: Not always. It depends on your insurer, the nature of the claim, the frequency of claims, and other risk factors. Not all claims will result in increased premiums.

Myth 3: The First Offer Is Final
Fact: You can negotiate. If it doesn’t cover your costs, push back or hire a public adjuster.

Myth 4: You Must Use the Insurance Company’s Contractor
Fact: You can choose your own contractor. You should never feel pressured to use the insurance company’s vendors and contractors. Pick someone you trust.

Myth 5: Small Damage Isn’t Worth Claiming
Fact: Even minor damage can lead to bigger issues. It’s smart to get it checked and documented.

Myth 6: You Have to File a Claim Right Away
Fact: It’s best to file a claim as soon as possible, but most policies give you some time. Don’t wait too long, but you don’t have to rush blindly.

Myth 7: Personal Belongings Aren’t Covered
Fact: Most policies do cover personal items, up to certain limits. Know what’s included.

We’re Here to Help

Insurance can be stressful—but you don’t have to face it alone. If you’re unsure about your coverage, worried about filing a claim, or need help getting a fair payout, our team of expert public adjusters is ready to help.

Get a free policy review or claim support today.
Let’s make sure you get what you’re owed.