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.
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.
A (Kory): Three things are key:
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.
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).
A (Kory): These are the big ones:
If something is holding up your part of the process (like waiting for an estimate), tell your adjuster. Silence makes everything slower.
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.
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.
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.
A (Kory): Yes. Here’s a list of common exclusions:
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.
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.
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.
A (Kory): The three most common reasons are:
But if you believe your denial was incorrect, you can appeal—especially if you’ve got updated documentation or expert input.
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.
A (Kory): A few simple steps can go a long way:
The more proactive you are, the easier the claims process will be if something happens.
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.