When filing a claim or discussing your policy with your home insurance company, what you say matters. Insurance adjusters are trained to evaluate your words carefully, and saying the wrong thing can hurt your chances of getting a fair payout. Here’s what not to say to home insurance — and what to do instead.
1. “It’s Not That Bad.”
Minimizing damage can work against you. If you downplay the situation, the adjuster may undervalue your claim.
✅ Instead: Stick to the facts. Provide accurate details and documentation of the damage.
2. “It Was My Fault.”
Even if you think you may have contributed to the damage, avoid taking blame. Fault is determined by the insurance company’s investigation.
✅ Instead: Report exactly what happened without adding unnecessary opinions.
3. “I Think…” or “Maybe…”
Speculating or guessing can lead to misunderstandings. If you provide unclear details, they may be used against you.
✅ Instead: Only share what you know for certain. If you’re unsure, it’s okay to say you don’t know.
4. “I Don’t Have an Inventory.”
Telling your insurer you don’t have a record of your belongings makes it harder to get reimbursed fairly.
✅ Instead: Keep receipts, photos, or a digital inventory to support your claim.
5. “This Is the Only Damage.”
Sometimes hidden damage shows up later (like water or structural issues). Saying it’s “the only damage” can limit coverage.
✅ Instead: Report what you know now and add, “This is what I’ve noticed so far.”
6. “Yes, You Can Record Me.”
Some adjusters may ask to record your statement. Anything you say could affect your claim.
✅ Instead: Ask for written communication or consult your agent before agreeing to a recorded interview.
Final Tip
When dealing with home insurance, always:
- Be honest but factual
- Avoid admitting fault or speculating
- Document everything with photos, videos, and receipts
The less you say casually — and the more you back up your claim with evidence — the stronger your case will be.