Provide the witness information to your insurance company and your attorney immediately, if you have one. Do not post it on social media or share it broadly. These professionals will handle the formal contact and statement process. Your role is to secure the contact details and pass them along promptly to preserve the integrity of the witness’s account for the official claim or investigation.

Yes, claims are often denied for specific reasons. Common causes include lack of coverage for the peril (e.g., flood damage without flood insurance), failure to pay premiums, misrepresentation on the application, or damage deemed to be from wear and tear or lack of maintenance. Policies also exclude intentional damage. Denials typically come with an explanation citing the specific policy language that supports the decision.

You can claim two main categories: economic (special) and non-economic (general) damages. Economic damages have clear receipts: all medical expenses, lost income (past and future), property repair/replacement, and out-of-pocket costs like travel for treatment. Non-economic damages cover intangible harms: pain and suffering, emotional distress, loss of companionship, and reduced quality of life. In rare cases of extreme misconduct, punitive damages may also be pursued to punish the wrongdoer.