Avoid These 5 Mistakes When Filing an Insurance Claim

If you think your insurance will solve your problems when you need it most, get ready to face new ones — caused by the insurer itself.

You pay your premium every month expecting protection, but when the moment of truth comes, your insurer is nowhere to be found. Imagine paying an employee who never does their job — that’s exactly how many policyholders feel when their claim turns into a dead end.

Want Your Insurance to Deliver on Its Promise?

Here are the 5 most common mistakes you must avoid when filing a claim — and how to get the compensation you truly deserve.

Mistake 1: Not Properly Documenting the Incident

When you bought your insurance, they promised they’d be there when you needed them. But when disaster strikes, you discover that customer service is a nightmare.

Insurers will look for any excuse to deny payment. If you don’t provide perfectly documented evidence, they won’t even try.

Tips to document correctly:

Take photos from multiple angles and keep all receipts or invoices.

Write down date, time, and location of the incident.

Collect witness information if possible.

The clearer your report, the fewer excuses your insurer has.

Mistake 2: Not Gathering Enough Evidence

Lack of evidence is one of the easiest excuses insurers use to reject claims.

You know you suffered a loss — but insurers need more than your word.

What to do:

Take photos and videos as soon as the incident happens.

Save every receipt or repair invoice.

Gather witness statements if you can.

The more evidence you have, the harder it is for them to say “no.”

Mistake 3: Not Reviewing Your Policy Before Filing

Most people don’t remember exactly what their policy covers. But not reviewing it before filing a claim can cost you money and time.

Steps:

Read your policy carefully.

Check coverage, exclusions, and limits.

Contact your agent if you have questions.

Understanding your coverage prevents unpleasant surprises later.

Mistake 4: Writing a Confusing or Incomplete Narrative

How you tell your story matters. A messy, emotional explanation will only delay your claim.

Instead:

Write a short summary of the incident and its impact.

Present events in chronological order.

Relate each fact to the relevant clause in your policy.

The clearer your claim, the faster it will be processed.

Mistake 5: Doing Everything Alone

Handling a claim on your own takes hours you could spend on your work or family. Meanwhile, insurers have full teams of experts working against you.

At MataSeguros, we act as your representative, negotiate with the insurer, and help you get what you deserve — without upfront fees.

✅ We’ve helped dozens of clients recover thousands of euros. 📩 Contact us today: mataseguros.com