At Boggs Law Group, we’ve spent years fighting for policyholders, ensuring that homeowners and businesses receive the settlements they deserve. As we step into 2025, the landscape of insurance claims is evolving, and it’s more important than ever to be proactive when filing property damage claims.

Many policyholders assume their insurance company will act in good faith and pay out fairly, but the reality is that underpaid, delayed, and denied claims are more common than ever. If 2025 is going to be the Year of Adequate Settlements, then it starts with you—the homeowner or business owner—taking the right steps to protect your claim.

Here’s how to make sure your property damage claim is successful in 2025:

1. Know Your Policy Before You Need It

Many policyholders only glance at their insurance policy when disaster strikes. This can lead to unpleasant surprises when coverage is less than expected. Take time now to:
✔️ Review your policy for exclusions, limitations, and deductible amounts.
✔️ Check your coverage limits—do they reflect current repair or rebuilding costs?
✔️ Understand what is required for claim filing deadlines and documentation.

If you have questions, don’t wait until an emergency arises—speak with an attorney or a public adjuster today.

2. Document Everything – Before & After Damage

Strong documentation is the cornerstone of a successful claim. Make sure you have:
📸 Before & after photos – Keep an updated photo record of your home or business. Take clear pictures of all major areas, including roofs, siding, and interiors.
📄 Inventory lists – Keep a detailed record of valuable possessions and equipment.
📝 Post-disaster documentation – Immediately after damage occurs, take date-stamped photos and videos before making any temporary repairs.

The more evidence you have, the harder it is for the insurance company to lowball your claim.

3. Report the Claim Promptly & Follow Up

Timing matters. Insurance companies have strict deadlines for filing claims, and delays can give them a reason to deny your claim.

🚨 Report damage immediately. Call your insurer and document who you spoke with and when.
📅 Follow up in writing. Keep a record of every conversation, including emails and claim numbers.
📌 Track all deadlines. If your claim is dragging on, it may be time to seek legal help.

4. Beware of Quick, Lowball Offers

One of the biggest mistakes policyholders make is accepting the first offer from their insurance company. These initial settlements often fail to cover the full extent of damage and repairs.

✖️ Don’t rush to accept a check. Review all settlement offers carefully.
🔎 Compare it to contractor estimates. Independent contractors can give you a more accurate repair cost.
📞 Get legal advice if needed. If the settlement seems too low, it probably is. A lawyer can help negotiate a fairer payout.

5. Work with Experts – Don’t Fight Alone

You don’t have to navigate the complex world of insurance claims alone. Enlisting experts can make all the difference:

🏗️ Hire independent contractors to provide repair estimates.
📋 Consult a public adjuster if you feel your claim is being undervalued.
⚖️ Work with an insurance attorney if your claim is delayed, denied, or underpaid.

Insurance companies have teams of professionals working to minimize their payouts—make sure you have experts on your side, too.

6. Watch for Bad Faith Tactics

In 2025, policyholders should be more vigilant than ever when it comes to bad faith insurance practices, such as:
❌ Delays in processing claims
❌ Unexplained denials
❌ Requests for excessive documentation
❌ Offering settlements far below the repair cost

If you suspect your insurer is acting in bad faith, contact an attorney immediately.

Final Thoughts: Protect Yourself in 2025

The best way to make 2025 the Year of Adequate Settlements is by taking control of your claim. Stay informed, document everything, and don’t be afraid to push back against unfair insurance practices.

At Boggs Law Group, we’re here to fight for you. If you’re facing delays, denials, or lowball offers, contact us today for a free consultation. We’ll make sure you get the settlement you deserve.