What to Do in a Claim Situation — Don't Freeze, React!!
- Kyle Goeman
- Aug 12
- 2 min read
Hi, Kyle here. Let’s talk about something nobody wants to deal with: An Insurance Claim and what to do at that time.
Most people tend to freeze up when a claim happens.
It’s human nature: accident, storm, damage — and suddenly you’re standing there like a deer in headlights. But in those moments, reaction beats hesitation.
Imagine you’re stepping off an escalator.
It’s not the time to stop and panic — you walk off. You move forward.
We need to get back to a time when people understood their role in the claims process.
Yes, insurance is there to help, but it’s not the first line of defense. You are!!!
Here’s what to remember in a claim situation:
🔧 1.
Start with You
Do what you can safely to mitigate damage.
Shut off the water. Take photos. Call a contractor.
Don’t wait for “permission” from your insurance company to act. This is your property.
💵 2.
Understand Your Deductible & Maintenance Role
Insurance isn’t a maintenance plan.
Your deductible is part of your risk — not a suggestion. And routine wear & tear? That’s not what policies cover.
Have an emergency fund or savings buffer in place.
📲 3.
Call Your Agent, Not Just the 800 Number
Having an independent agent in your corner makes a difference.
We help you walk through the situation, decide what’s claim-worthy, and prevent unnecessary hits to your record.
🧠 4.
React, Don't Panic
Insurance works best when you do your part first.
React, document, mitigate, then contact your agent. That’s how you keep control of the claim — and avoid delays or denials.
Final Thought: Be the First Responder to Your Own Property
Before the adjuster, before the check — you are the first line of defense.
Step off the escalator. Don’t freeze. React.
