Insurance Claim Tips for Homeowners, Renters, and Business Owners


Filing an insurance claim can be a daunting task, whether you are a homeowner, renter, or business owner. Each group faces unique challenges and considerations when it comes to navigating the claims process. In this blog, we will provide valuable tips and expert advice tailored to each audience, helping homeowners, renters, and business owners effectively file insurance claims. By understanding the specific nuances and requirements, you can optimize your chances of a successful claim settlement. Let’s get started!

For Homeowners:

  1. Review Your Policy: Take the time to thoroughly review your homeowners’ insurance policy to understand the coverage limits, deductibles, and exclusions. Knowing what is covered and what is not can help you manage your expectations and avoid surprises when filing a claim.
  2. Document Your Property: Before any damage occurs, create a detailed inventory of your possessions, including photographs, receipts, and descriptions. This documentation will be invaluable when filing a claim, providing evidence of the items you own and their value.
  3. Report Damage Promptly: Notify your insurance company as soon as possible after experiencing damage to your property. Most policies have a specified time frame within which you must report a claim. Failing to do so promptly could result in delays or even denial of your claim.
  4. Mitigate Further Damage: Take immediate action to prevent further damage to your property. For example, if a pipe bursts, turn off the water supply and arrange for repairs. Your insurance policy likely includes a provision requiring you to take reasonable steps to mitigate additional damage.

For Renters:

  1. Understand Tenant’s Insurance: As a renter, it is essential to understand the coverage provided by your tenant’s insurance policy. It typically covers personal belongings, liability, and additional living expenses if your rented property becomes uninhabitable due to covered perils.
  2. Communicate with Your Landlord: In the event of damage to your rental property, promptly inform your landlord or property management company. They may have specific requirements or processes in place for reporting and addressing damages.
  3. Document Pre-Existing Conditions: Before moving into a rental property, thoroughly document any pre-existing damage or issues present in the unit. Take photographs and inform your landlord in writing. This can help prevent disputes over the responsibility for pre-existing damage during the claims process.
  4. Keep Records of Expenses: If you are temporarily displaced from your rental property due to covered damages, keep detailed records of your additional living expenses, such as hotel stays or restaurant meals. These expenses may be eligible for reimbursement under your tenant’s insurance poli

For Business Owners:

  1. Review Commercial Insurance Coverage: Familiarize yourself with your commercial insurance policy, including the specific coverage for property damage, liability, business interruption, and additional endorsements. Understanding your coverage will help you assess the scope of your claim.
  2. Document Business Assets: Maintain a thorough inventory of your business assets, including equipment, inventory, and valuable documents. Regularly update this documentation and store it in a secure location or cloud-based system to ensure its accessibility in the event of a claim.
  3. Keep Detailed Financial Records: Business owners should maintain meticulous financial records, including income statements, receipts, invoices, and payroll documentation. These records will help substantiate your financial losses when filing a claim for business interruption or loss of income.
  4. Consult with Professionals: Engage with a public adjuster or an experienced insurance professional who specializes in commercial claims. They can help you navigate the complexities of the claims process, provide guidance on documentation requirements, and advocate for your best interests. Contact us at for help!

General Tips for All Audiences:

  1. Document Damage: When filing an insurance claim, document the damage thoroughly with photographs, videos, and written descriptions.

Everyone’s responsibility at American Claims Ensurance is to take care of you, the homeowner or business owner. Dealing with the insurance company can be a time consuming, complicated and stressful process, and that is when an experienced and trusted American Ensurance public adjuster is needed.

Give American Claims Ensurance a call at 800-204-2463 or go to to find out how we can help you.

We have more than 150 years of combined experience.