5 Things You Need to Know Before Filing a Home Insurance Claim

When unexpected damage strikes your home—whether it’s from storms, leaks, fire, or other accidents—the first step most homeowners think of is filing an insurance claim. While your policy is there to protect you, the process can sometimes feel overwhelming. At Parceros Construction LLC, we’ve worked alongside many homeowners in Iowa navigating insurance claims for home damage, and we’ve learned a few important things that can make the process smoother.

Here are 5 key things you need to know before filing an insurance claim:

1. Document Everything

Before contacting your insurance company, take clear photos and videos of the damage. From roof leaks to siding damage or flooded basements, documentation is your strongest evidence. Don’t throw away damaged materials until your adjuster has seen them.

2. Review Your Policy Carefully

Every insurance policy is different. Some cover water damage but exclude flooding; others may cover roof repairs but limit coverage for older materials. Reading your policy—or having a trusted professional explain it—will help you avoid surprises.

3. Get a Professional Estimate

Insurance companies often send their own adjusters, but having an independent contractor provide a detailed estimate gives you leverage and ensures that the true scope of the work is recognized. At Parceros Construction, we provide free estimates for roofing, siding, deck, and other home repairs.

4. Act Quickly

Most insurance companies have deadlines for reporting damages. The sooner you file, the better your chances of approval. Quick action also prevents further damage to your property, which could otherwise reduce your claim.

5. Work With Trusted Professionals

Filing a claim can be stressful, but you don’t have to do it alone. Hiring a licensed and insured contractor experienced with insurance claims and home repairs can save you time, stress, and money. We’ve helped families across Iowa—from Cedar Rapids to Coralville—restore their homes after unexpected damage.

Final Recommendations

• Don’t delay: file your claim as soon as possible.

• Keep records: save receipts, communications, and contractor estimates.

• Choose quality repairs: cutting corners now can cost more later.

  
  

At Parceros Construction LLC, we’re here not just to repair your home, but also to guide you through the insurance claim process. Whether it’s roofing, siding, deck remodeling, or general home damage repairs, our team is ready to help.

👉 Contact us today for a free inspection and estimate. Let’s bring your home back to life—stronger and safer than before.