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Claims
Browse 19 in-depth Claims guides from Home Insurance Clear. Our editorial team researches and writes each one to give you clear, practical answers, current as of August 2026. The newest are shown first.
Additional Living Expenses Coverage: What 30% Actually Covers
Forty-three percent of homeowners who file a major claim have no idea what additional living expenses (ALE) …
Ice Dam Coverage: What $1,200 in Damage Really Costs
Most homeowners assume a burst pipe is the worst winter can do to their house. They’re wrong. Ice dams …
Homeowners Insurance Total Loss: What You Need to Know
Most homeowners never read their policy closely enough to understand what “total loss” actually …
Home Insurance Claim Denied? Here Are Your Next Steps
Every year, I talked to policyholders who called our claims line genuinely shocked that we’d denied …
$11,000 Water Damage Claims: How to File and Get Paid
Roughly 1 in 50 homeowners files a water damage claim every single year. That sounds manageable until you …
Does Your Homeowners Policy Cover Frozen Pipes?
Every February, I’d open a new stack of claims and know, without even looking at the first page, that …
Why Your Appraisal Clause Matters in Insurance Claims
Most homeowners never hear the words “appraisal clause” until they’re already in a fight …
What Most Home Insurance Claims Get Denied For
Every year, millions of American homeowners file a claim expecting the process to be straightforward, and …
Does Your Garage Door Damage Really Count?
Most people don’t think about their garage door and their insurance policy at the same time until …
Mold Damage: What Your Home Insurance Actually Covers
Your neighbor calls in a panic. They found black mold behind their washing machine, called their insurer, and …
How to Win Your Home Insurance Claim Dispute
Roughly 40% of homeowners who file a claim accept the first settlement offer without questioning it. I know …
File A Hail Damage Claim Without Getting Denied
Most homeowners have no idea their hail claim has already been partially decided before they even call their …
File Your Home Insurance Claim in 5 Steps
Most homeowners assume filing a claim is the hard part. I’ll be honest: after 14 years reviewing claims …
How to File a Homeowners Insurance Claim Successfully
Most homeowners never read their policy until the moment they need it. A pipe bursts at 11 p.m., water spreads …
Does Your Homeowners Policy Cover Mold Damage?
You find a dark patch spreading across the drywall behind your washing machine. Your first thought: …
When Home Insurance Covers Roof Damage
You file a claim after a bad hailstorm tears up your roof. The adjuster comes out, inspects the damage, and …
Water Damage Claims: What Your Home Insurance Covers
Picture this: you come home from a week-long vacation, open your front door, and hear it. That soft, …
Will Your Insurer Raise Rates After Filing a Claim?
You filed a claim last spring after a burst pipe soaked your hardwood floors. The repair went smoothly, the …
Tree Damage and Home Insurance: What's Covered
You wake up at 2 a.m. to a sound like a cannon going off. A massive oak from your neighbor’s yard has …