Reporting a Claim – Why You Need to Report a Claim or Loss Immediately

What is a claim? Home insurance claims occur when you have to request assistance from your insurance company to pay for damages you have incurred as a result of any insured incident.

The claim is typically called a “loss” in insurance lingo. You have a duty to report a claim just as soon as practical after the loss occurs.   In some cases, you may lose your right to recover under a claim if the insurance company is not notified within a specified time period, especially if the ability of the insurance company to defend a claim is hurt by a failure to timely learn about the loss.  When insurance companies are not promptly notified of a claim or loss, they often use this as an excuse not to pay the claim (or to pay much less than what they legitimately owe).

Please note that the claim reporting period is not the same as the statute of limitations (which is the time period allowed by law in which case a lawsuit may be initiated). The statute of limitations is usually much longer, while (as noted above), a claim or loss should be reported immediately.

Your insurance company has a duty to assign an insurance claims adjuster to investigate the loss and, if appropriate, settle the loss in a timely fashion. Unfortunately, insurance companies don’t always do their job.

An unjustified claim denial or insurance dispute is often just a business strategy used by companies to cut costs.  This is where the information on this website can help you “level the playing field.” A little bit of knowledge goes a long way.

We have a number of informational podcasts and other products to help you with your claim or insurance dispute. Just remember, do not do anything on an insurance claim unless you feel you understand the ramifications and the outcomes of your actions.


1661 N. Swan Rd., Suite 138
Tucson, Arizona 85712

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