Maximizing Your Insurance Claim: Dos and Don’ts

Moshe Amos

Empowering Homeowners with Expert Advice from NYTDR

Dealing with home damage can be overwhelming, but knowing how to navigate the insurance claim process can make all the difference in getting the compensation you deserve. At New York Total Damage Restoration (NYTDR), we specialize in helping homeowners in NYC recover from home damage and maximize their insurance claims. Here are some dos and don’ts to keep in mind when filing an insurance claim for home damage.


  1. Document Everything: Take thorough photos and videos of the damage before making any repairs. Document the extent of the damage from multiple angles and keep a detailed record of all communication with your insurance company.
  1. Act Quickly: Notify your insurance company as soon as possible after discovering the damage. Prompt action can help expedite the claims process and prevent further damage from occurring.
  1. Mitigate Further Damage: Take reasonable steps to prevent additional damage to your home. This may include covering damaged areas with tarps, boarding up windows, or shutting off utilities if necessary.
  1. Review Your Policy: Familiarize yourself with your insurance policy and understand what is covered and what is not. Pay attention to any deadlines or requirements for filing a claim to avoid missing out on compensation.
  1. Hire a Professional: Consider hiring a reputable contractor or restoration company, like NYTDR, to assess the damage and provide an estimate for repairs. A professional can help ensure that all damage is properly documented and accounted for in your claim.
  1. Keep Records of Expenses: Keep track of all expenses related to the damage, including repair costs, temporary accommodations, and any additional living expenses incurred as a result of the damage.
  1. Advocate for Yourself: Don’t be afraid to advocate for yourself and push back if you feel your claim is being unfairly denied or undervalued. Provide evidence and documentation to support your claim and be persistent in following up with your insurance company.


  1. Wait Too Long to File: Delaying the filing of your insurance claim can result in missed deadlines or complications with the claims process. Act promptly to avoid any unnecessary delays or denials.
  1. Discard Damaged Items: Resist the urge to throw away or discard damaged items until your insurance company has had a chance to assess the damage. Keeping damaged items on hand can help support your claim and ensure that you receive proper compensation for replacement or repairs.
  1. Accept the Initial Offer Without Question: Insurance companies may initially offer a lower settlement than you are entitled to. Don’t be afraid to negotiate or seek a second opinion if you feel the offer does not adequately cover the cost of repairs or replacement.
  1. Overstate the Damage: While it’s important to accurately document the damage, avoid exaggerating or overstating the extent of the damage. Stick to the facts and provide evidence to support your claim.
  1. Neglect Regular Maintenance: Regular maintenance and upkeep of your home can help prevent damage and strengthen your claim in the event of an insurance dispute. Neglecting maintenance responsibilities may give your insurance company grounds to deny your claim.
  1. Sign Anything Without Understanding: Read and understand any documents or agreements provided by your insurance company before signing. If you have questions or concerns, seek clarification from your insurance agent or a legal professional.
  1. Give Up: Dealing with insurance claims can be frustrating, but don’t give up if your claim is denied or undervalued. Explore your options for appeal and consider seeking assistance from a public adjuster or legal counsel if necessary.

At NYTDR, we understand the importance of maximizing your insurance claim to ensure you receive fair compensation for home damage. Our team of experienced professionals is here to guide you through every step of the claims process and help you get back on your feet as quickly as possible. Contact us today for expert assistance with your insurance claim and restoration needs.

Maximizing Your Insurance Claim: Dos and Don'ts


Moshe Amos

Moshe has more over 15 years as a licensed contractor in the New York City area. 

As a New York State-licensed Mold Assessor, he is especially knowledgeable about mold assessment and remediation.


Fire & Water Damage ‧ Mold Remediation ‧ Asbestos & Lead ‧ All Abatement ‧ Total Renovation