5 Essential Steps to Dispute a Homeowners Insurance Claim

Article from Dec 20, 2023

Homeowners insurance claim disputes can be complex and sometimes frustrating. Navigating this terrain requires a clear understanding of your policy and rights. At ANTN LAW, we are deeply familiar with these intricacies and are committed to guiding our clients through each step of the dispute process

5 critical steps

1. Understand and Review Your Policy

The first step in any insurance dispute is to thoroughly understand your policy. What does it cover, and what are its limitations? This is crucial as, according to the Insurance Information Institute, 5.9% of insured homes had a claim between 2017 and 2021, with wind and hail being the largest share of claims. Knowing the specifics of your policy can help you determine if your claim should be covered.

2. Document Everything

When disputing a claim, documentation is key. Take photos of the damage, keep receipts of any repairs, and maintain a detailed record of all correspondence with your insurance company. This evidence will be vital in supporting your case. The National Association of Insurance Commissioners emphasizes the importance of keeping a detailed inventory of your home, which can be critical in the event of a dispute.

 3. File a Formal Complaint

If you believe your claim was wrongly denied or undervalued, file a formal complaint with your insurance company. Outline your case clearly, including all supporting documentation. State insurance departments, like the California Department of Insurance, can provide guidance on how to file these complaints and what information to include.

4. Seek an Independent Appraisal

If there’s a disagreement over the value of your claim, consider getting an independent appraisal. This can provide an unbiased assessment of the damages and help in challenging your insurer’s valuation.

5. Legal Assistance

For complex disputes, legal assistance can be invaluable. At ANTN LAW, we specialize in homeowners insurance claim disputes. We offer a free consultation to review your case and can guide you through the process of challenging your insurer’s decision. Our expertise can be crucial in ensuring that your rights are protected and that you receive fair compensation for your claim.


Q: How do I prove loss of use in my homeowners insurance claim?

A: Loss of use refers to the costs incurred while your home is uninhabitable. To prove this, document all related expenses, such as hotel bills or additional food costs, and provide these to your insurer.

Q: What should I do if my insurer accuses me of fraud?

A: Accusations of fraud are serious. Provide clear and honest documentation to support your claim. If the issue persists, legal advice may be necessary.

Q: Can I file a claim for an incident that happened a long time ago?

A: This depends on your policy’s reporting requirements. Most policies require prompt reporting of incidents. However, if you discover damage later, document when it was discovered and file the claim as soon as possible.

Q: What if the insurance adjuster misses some damage during the inspection?

A: If you notice damage that the adjuster missed, report it to your insurance company immediately. You may need to request a second inspection.

Q: Is mold damage covered by homeowners insurance?

A: Coverage for mold damage varies by policy. It is often covered if it’s a result of a covered peril, like water damage from a burst pipe, but not if it’s due to neglect or lack of maintenance.

Q: Can I switch insurance companies while a claim is ongoing?

A: Switching insurance companies during an ongoing claim can complicate the process. It’s generally advisable to wait until the current claim is resolved before switching.

Q: How does the claims history of my home affect my insurance rates?

A: A home with a history of multiple claims may be seen as a higher risk, potentially leading to higher insurance rates.

Q: What role does my home’s location play in insurance disputes?

A: Location can affect your coverage needs and the likelihood of certain types of claims. For example, homes in areas prone to natural disasters like wildfires or hurricanes may face more disputes related to these risks.

ANTN LAW: Your Advocate in Homeowners Insurance Disputes

At ANTN LAW, we’re committed to assisting you in your homeowners insurance disputes. With our experienced legal team, we offer a free consultation to help you understand the intricacies of your policy and the dispute process. For assistance, please fill out our online form to get in touch with our team. We’re here to ensure that your claim is handled fairly and effectively.

For more detailed information and statistics about homeowners insurance claims, you can visit the Insurance Information Institute’s website.