1. DO Act Quickly After a Loss
Most policies require prompt notice of any claim. Waiting too long to notify your insurance company can result in delays — or worse, a denial of coverage.
Tip: Report the loss as soon as possible, even if you don’t yet know the full extent of the damage.
2. DON’T Throw Away Damaged Property (Yet)
Unless it’s unsafe to keep, try to preserve all damaged items. Your insurance company may want to inspect them as part of their investigation.
Take photos of everything — including structural damage, destroyed belongings, and anything that might have contributed to the loss (like a faulty appliance).
3. DO Review Your Policy
Your policy outlines what’s covered, what’s excluded, and how to make a claim. It will also explain what you’re required to do after a loss, such as preventing further damage or providing proof of loss.
Not sure what something means? That’s normal — many policies are written in complicated legal language. A lawyer can help interpret it and protect your rights.
4. DON’T Assume the Insurance Adjuster Is on Your Side
The adjuster may be friendly, but sadly (and illegally) they often only care about the insurance company’s interests—not for you.
Many claims are underpaid or denied based on narrow readings of the policy, vague exclusions, or even misclassification of damage (e.g., blaming “wear and tear” instead of a covered cause). Washington law requires insurers to act in good faith, but that doesn’t always happen .
Tip: Be courteous, but cautious—and keep notes of every interaction.
5. DO Document Everything
Keep a claim file that includes:
- Photos/videos of the damage
- Copies of your insurance policy
- Written communications with the insurer
- Notes from phone calls
- Receipts for emergency repairs or living expenses (if you’re displaced)
- A list of damaged or destroyed items with estimated values
Bonus Tip: Use a spreadsheet or home inventory app to track your belongings and costs.
6. DON’T Make Permanent Repairs Right Away
Your policy likely requires you to mitigate further damage (e.g., board up broken windows), but not to begin full repairs until the insurance company has inspected the damage. If you make permanent repairs too early, your insurer may refuse to reimburse you.
7. DO Get Multiple Repair Estimates
Don’t rely solely on the insurer’s contractor or cost estimate. Their number may be low. Getting your own independent estimates helps you negotiate for a fair settlement—and proves what repairs actually cost in your area. If there’s a dispute over the value of your claim, you may also have the right to invoke an appraisal clause in your policy.
8. DON’T Accept a Lowball Settlement Without Question
It’s common for insurance companies to initially offer less than what’s fair, especially if you don’t have legal representation. If something feels off—it probably is.
Under Washington law, you may have a claim for bad faith or a violation of the Insurance Fair Conduct Act (IFCA) if your insurer acts unreasonably or unfairly denies payment .
9. DO Consider Legal Help If Things Get Complicated
You don’t always need a lawyer to file a claim. But if:
- Your claim is denied or underpaid
- You’re accused of fraud
- The insurer delays or ignores you
- The damage is extensive or complex
… then it’s time to talk to an attorney who understands Washington insurance law.
At Ruiz & Smart, we’ve held insurance companies accountable when they fail to live up to their promises. Our firm is even responsible for key cases interpreting Washington’s IFCA laws.
10. DON’T Be Afraid to Stand Up for Yourself
Remember: You paid for this coverage. You’re not asking for a favor—you’re asking the insurance company to keep its end of the bargain.
Washington law requires insurers to act in good faith, investigate fairly, and promptly pay valid claims. When they don’t, you have rights — and options.
Final Thoughts
Homeowners insurance is supposed to be a safety net. But when insurance companies cut corners, delay claims, or play games, that safety net can disappear — right when you need it most. If you’re not sure what to do next, or if your claim has been denied or delayed, call Ruiz & Smart for a free consultation.
Let us help you rebuild — and hold your insurer accountable.