Insurance Claims 101: Real Advice From a Local Adjuster
Most people don’t file insurance claims often… maybe once or twice in a lifetime. But when damage hits your home, there’s no handbook on what to do next. And let’s be honest: navigating the claims process can feel like a maze.
So we teamed up with Kory LaViolette, a National General Adjuster based right here in Wilmington, North Carolina, to walk through what really happens during a claim. From what to do right after an incident to what adjusters are actually looking for, this Q&A lays out everything homeowners wish they knew before the chaos.
Q: What should homeowners do immediately after damage happens?
A (Kory): First, protect your property. That might mean calling a plumber, fire department, or restoration company depending on the situation. After that, call your insurance agent. The faster you start the claim, the faster things can get moving. But always make sure the damage is documented before cleanup begins.
“It’s okay to take action, but don’t erase the evidence,” says Kory. “Photos and receipts matter.”
See how Cavik helps guide homeowners through the claims process from day one.
Q: What information should be gathered before contacting your insurance agent?
A (Kory): Three things are key:
- The date of the loss
- What caused it (be specific)
- And whether anyone else was involved or hurt
It also helps to provide a short description of the damage and a copy of any emergency report (fire department, police, etc.). These details help the adjuster know what to expect during the inspection.
Q: How long does the average insurance claim take to process?
A (Kory): For a typical claim, you’re looking at 30 to 90 days from start to finish. That depends on the severity of the loss and how fast the homeowner responds. It also depends on things like contractor availability and—if it’s a storm situation—claim volume.
“Especially after hurricanes, we work in waves. Your patience goes a long way, but so does staying in touch.”
Learn more about understanding the claims process from the National Association of Insurance commissioners (NAIC).
Q: What delays insurance claims more than anything else?
A (Kory): These are the big ones:
- Homeowners making repairs without taking photos
- Being unclear about what the claim is actually for
- Waiting too long to reply to emails or calls
- Shortages in contractors or materials
If something is holding up your part of the process (like waiting for an estimate), tell your adjuster. Silence makes everything slower.
Q: What are the most common mistakes people make when filing claims?
A (Kory): Filing a claim with no documentation is a big one. Also, not knowing what the claim is for. I’ve walked into homes where people are trying to file for roof damage, old plumbing, and rodent issues—all in the same claim. That’s not how it works.
Keep it focused. Pick a single event. If the loss happened over time or due to neglect, that usually won’t be covered.
Q: What happens during an adjuster’s inspection?
A (Kory): I always start with a conversation. I want to hear the story: when it happened, what actions you’ve taken, and whether the home has had any previous damage or repairs.
Then I’ll take measurements, look for the cause and origin of the loss, and talk through repair options—especially if your contractor is present. I’ll also make sure you understand your deductible and what happens next.
Still have questions? Get in contact with your insurance adjuster or reach out to Engle Martin.
Q: What role does Cavik Insurance play in the claims process?
A (Kory): Having an independent agent like Cavik is a huge help. They’re not just sending you to a 1-800 number. They’re your direct line to someone who can explain your deductible, follow up with the carrier, or even recommend a restoration company. That makes everything smoother.
Need help with a current claim or want to prepare for the next one? Call Cavik first.
Q: Are there types of damage that standard homeowners insurance won’t cover?
A (Kory): Yes. Here’s a list of common exclusions:
- Flooding or storm surge
- Water backup or sewer line failures
- Rodent damage
- Plumbing that runs beneath the home’s foundation
Also, if the damage was caused by wear-and-tear or poor maintenance, it may not be covered. That’s why reading your policy—and talking to your agent about specific risks—is so important.
Q: Can a claim impact your premium?
A (Kory): Sometimes. Hurricane-related claims typically don’t raise your rate, but claims like fire, water, or theft could impact your pricing or eligibility for the next 3 to 5 years. Water claims in particular are being scrutinized more than ever.
If you’re not sure whether to file, talk to your agent first. Sometimes the repair cost isn’t worth the long-term impact.
Q: What should homeowners know about deductibles?
A (Kory): Your deductible is the amount you’re responsible for before insurance steps in. It could be a flat $1,000, or it might be a percentage of your home’s value—especially for wind or hurricane deductibles.
“Know what your deductible is before a storm—not after.” That’s a conversation your agent should help with.
Q: What causes claims to get denied?
A (Kory): The three most common reasons are:
- Damage due to lack of maintenance
- Claims for ongoing wear rather than a single event
- Filing for something not covered in the policy (like flood without flood insurance)
But if you believe your denial was incorrect, you can appeal—especially if you’ve got updated documentation or expert input.
Q: What types of claims tend to follow North Carolina storms?
A (Kory): Wind and hail, tornadoes, and flooding are the most common. Storm surge is another big one, but remember: flood damage isn’t included in most homeowners policies. That requires separate flood coverage.
Learn about the difference between FEMA and private flood insurance in our full blog.
Q: How can homeowners prepare before hurricane season?
A (Kory): A few simple steps can go a long way:
- Trim trees and remove loose outdoor furniture
- Check seals on windows and doors
- Clean gutters and downspouts
- Review your policy and confirm deductibles
The more proactive you are, the easier the claims process will be if something happens.
Final Thoughts from Cavik Insurance
Filing a claim doesn’t have to feel like a disaster on top of a disaster. With the right documentation, a clear understanding of your policy, and a local team ready to help, you can get through it—and get back to normal—faster.
If you’re a homeowner in Wilmington, Leland, or anywhere along the coast, Cavik Insurance is here to help you understand your coverage and be ready before havoc hits.
Get started with a claims review or policy check-in today.
