What should a homeowner do if they incur property damage?

When a homeowner incurs property damage, the best course of action is to document the damage and notify the insurance company. This approach ensures that there is a clear record of the incident, which is crucial for filing a claim. Documenting the damage typically involves taking photos or videos, making a list of affected items, and noting any relevant details about how the incident occurred.

Notifying the insurance company as soon as possible allows them to start the claims process, enabling the homeowner to receive the necessary assistance for repairs. Timely notification can also help in addressing potential complications that may arise from delays, such as additional damage or issues related to coverage limits.

In contrast, ignoring the damage could lead to worsening conditions and may jeopardize the homeowner's ability to file a claim later. Informing only neighbors provides no formal record or support for the claim process, and attempting to fix damages before notifying the insurer might complicate the claims procedure. Insurers often require a full understanding of the initial damage before any repairs are made to accurately assess and process the claim. Therefore, documenting the damage and notifying the insurance company is the most effective and prudent action a homeowner can take.