Home Insurance Claims in Maryland

Maryland Insurance Overview

Maryland is one of the few remaining contributory negligence states, meaning any fault on your part can completely bar recovery. This makes Maryland one of the most challenging states for insurance claims. The state requires both PIP coverage ($2,500 minimum) and uninsured motorist coverage, providing some baseline protection regardless of fault.

Key Maryland Laws

• Maryland follows the strict contributory negligence doctrine — if you are even 1% at fault, you may be barred from recovery (Md. Cts. & Jud. Proc. Code § 3-1401).
• Personal Injury Protection (PIP) coverage of $2,500 is mandatory in Maryland.
• Uninsured motorist coverage is required and must be offered at liability limits.

How to File Home Insurance Claims in Maryland

Step-by-step guide to filing a home insurance claim for property damage, understanding your homeowner's policy coverage, and negotiating with adjusters.

In Maryland, it's critical to understand the state's at-fault (tort) system and the 3-year personal injury statute of limitations when pursuing home insurance claims. Missing these deadlines can result in a complete loss of your right to compensation.

1. Document everything immediately — Gather all evidence, photos, police reports, and medical records relevant to your home insurance claims in Maryland.
2. Report to your insurer promptly — Report to insurer within 30 days; PIP claims should be filed promptly. Delays can jeopardize your claim under MD law.
3. Know your Maryland rights — Under Maryland's at-fault (tort) system, your recovery may be affected by your percentage of fault.
4. Contact the Maryland Insurance Administration — If your insurer acts unfairly, file a complaint at https://insurance.maryland.gov or call (410) 468-2000.
5. Use InsurifyAI — Get AI-generated demand letters, settlement estimates, and claim coaching tailored to Maryland law.