Top Mistakes Homeowners Make When Filing a Water Damage Insurance Claim (and How to Avoid Them)

Approximately 1 in 60 insured homes file a water damage claim annually.

According to the Insurance Information Institute, water damage is one of the most common reasons for insurance claims, and the average claim exceeds $11,000.

Water damage can happen in the blink of an eye—from a burst pipe, roof leak, or drainage issue—and it can leave homeowners feeling overwhelmed. While insurance is meant to protect you, many people make critical errors during the claims process that result in delays, denials, or underpayment.

At LocalRestorePro, we’ve helped hundreds of homeowners navigate the water damage restoration process. To help you avoid costly missteps, here are the top mistakes homeowners make when filing a water damage insurance claim—and what you should do instead.

1. Delaying the Claim

Time is of the essence. Most insurance policies require you to report water damage as soon as it’s discovered. Waiting even a day or two can be grounds for claim denial. 

What to do instead:Immediately document the damage, stop the source if possible, and contact your insurance provider and a certified water restoration specialist like LocalRestorePro. Sign Up here for your consultation.

2. Failing to Document the Damage Properly

Too often, homeowners begin clean-up without taking thorough photos or videos. This erases critical evidence that proves the extent of the damage.

What to do instead:Before touching anything, take detailed photos and videos of affected areas, including damaged belongings. Make a written inventory of all losses and keep any receipts related to repairs or temporary lodging.

3. Not Understanding the Policy Coverage

Many homeowners assume all water damage is covered—but policies vary. Gradual damage from drainage issues, for example, may not be covered if it’s considered preventable.

What to do instead:Review your policy carefully, paying attention to exclusions. If in doubt, call your insurance agent or work with a public adjuster. Restoration professionals like LocalRestorePro can also help interpret your coverage and communicate with your insurer. Sign Up here for your consultation.

4. Using Unlicensed Contractors

In an emergency, it’s tempting to hire the first available contractor. But using unlicensed or uninsured providers can invalidate your claim or lead to shoddy repairs.

What to do instead:Only work with licensed, insured, and certified professionals. LocalRestorePro is IICRC-certified and specializes in fast, compliant water damage restoration.

5. Not Keeping Records of Communication

Verbal agreements with your insurance company are difficult to prove later. Always have a paper trail.

What to do instead:

Keep a log of all calls, emails, and written communication. Request written confirmation of all coverage decisions and maintain copies of all documents submitted or received.

How LocalRestorePro Can Help?

Dealing with water damage is stressful—but you don’t have to go it alone. At LocalRestorePro, we specialize in drainage-related water damage, from assessment to full restoration. Our team helps you manage the claim process, avoid common pitfalls, and restore your home efficiently and professionally.

Act Now – Don’t Risk Denial or Delays. 

Sign Up here for your consultation.

If you’ve experienced water damage from drainage issues or other sources, don’t wait. Fill out the form below to get expert help with your insurance claim and a free home inspection. Our local team is ready to respond 24/7.