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Will Making Your Own Repairs Impact A Homeowners Insurance Claim?

Will Making Your Own Repairs Impact A Homeowners Insurance Claim?

As a homeowner, experiencing unexpected damage to your property can be a stressful and overwhelming experience. From broken windows to damaged roofs, repairs are often necessary to keep your home safe and habitable. If you've recently experienced damage to your home and are considering filing an insurance claim, you may be wondering if making repairs will impact your ability to receive compensation.

destroyed house

The truth is, the impact of repairs on a homeowners insurance claim can vary depending on several factors.

You see, home damage can come with significant expenses even if your homeowners insurance policy covers a portion of the damage costs. It can be tempting to submit an insurance claim and try to handle the repairs on your own to save money. However, there's no guarantee you'll save money even if you are capable of doing the repairs yourself.

Additionally, if you lack a license to carry out the repairs, you may be held accountable for supplementary expenses if the repairs are not executed as planned.

Now, let's look further into if repairing your damages yourself can have an impact on your home insurance claim.

How Repairing Damages Can Have An Impact On Your Home Insurance Claim

As a homeowner, it can be tempting to take matters into your hands and try to repair damage to your property without involving your insurance company. That's why, before you start fixing things yourself, you need to understand how this could affect your homeowners insurance claim.


Homeowners insurance is designed to cover unexpected damage to your property, such as damage caused by natural disasters, theft, and vandalism. If you experience such damage, you will typically file a claim with your insurance company and they will send an adjuster to assess the damage and determine the amount of coverage you are entitled to.

If you decide to repair the damage yourself before filing a claim, this could have a potential impact on your insurance claim. First and foremost, if you make any mistakes during the repair process, or fail to fully address the damage, your insurance company may not cover the full cost of repairs. This is because insurance companies rely on their adjusters to determine the extent of the damage and the cost of repairs. That means if you make repairs without their involvement, they may not have an accurate understanding of the extent of the damage.

Additionally, if you make repairs and then file a claim, your insurance company may be less willing to cover the full cost of repairs. This is because they may believe that the damage was not as severe as you claim. This could result in a lower payout, leaving you to foot the bill for any additional repairs required. In some cases, doing repairs yourself could render your insurance policy completely void. Many insurance policies have clauses that require homeowners to notify their insurance company of any damage to their property before attempting any repairs. So doing otherwise could violate your policy and your coverage could be voided.

Factors To Consider Before Repairing The Damages Yourself

The severity of the damage must be taken into account before anything else. If the damage is minor and well within your ability to repair, such as a small hole in drywall or a loose tile, you may be able to handle the repairs yourself without problems. However, if the damage is more extensive or requires specialized knowledge or equipment, such as damage to your electrical or plumbing systems, it's generally best to leave the repairs to a professional.

Another factor to consider is your level of experience and expertise. If you have experience with similar repairs and feel confident in your abilities, you may be able to handle the repairs yourself. But if you are unsure of how to properly address the damage, attempting to make repairs yourself could end up causing more harm than good.

It's also essential to consider the cost of repairs. If the cost of repairs is less than your insurance deductible, it may make more sense to handle the repairs yourself rather than file a claim. However, if the cost of repairs is significant, filing a claim with your insurance company may be the best way to ensure that you are not assuming full financial responsibility for the repairs.

As we already mentioned, attempting repairs without involving your insurance company could potentially invalidate your policy or result in a lower payout. That's why you need to carefully weigh every risk and benefit before making any repairs on your own.

How Doing The Repairs Yourself Differs From Hiring A Contractor

When your property suffers damage, such as from a storm or accidental mishap, one of the decisions you'll have to make is whether to do the repairs yourself or hire a contractor. Both options have their advantages and disadvantages, and it's crucial to consider several factors before making a decision.

A damaged house

If you have experience with similar repairs and feel confident in your abilities, doing the repairs yourself can be a great way to save money on labor costs. DIY repairs can also be convenient if you have a flexible schedule or prefer to have more control over the repair process. However, it's important to note that DIY repairs can be risky, especially if you lack experience. A mistake could end up causing more damage or leading to more costly repairs in the long run.

On the other hand, hiring a contractor to handle the repairs ensures that the work is done correctly by an experienced professional. A contractor has the necessary expertise, tools, and resources to address the damage and complete the repairs efficiently and effectively. Additionally, hiring a contractor can save you time and energy, as you won't have to worry about handling the repairs yourself. Although they can be expensive and scheduling may be an issue, especially if they are in high demand or have a busy schedule.

Learn How to Get Full Payment for Your Claim

If your insurance provider refuses to honor your claim, the Voss Law Firm can help you get paid for your losses—and potentially more. Call us at (888) 614-7730 or complete our contact form today to get answers to your questions, or start reading your copy of our free book, Tricks of the Trade: How Insurance Companies Deny, Delay, Confuse, and Refuse.

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