Top Exemption Mistakes to Avoid

How to Ensure You Gext the Property Tax Relief You Deserve

As a property owner in Cook County, one of the best ways to reduce your property tax burden is by applying for exemptions. These exemptions can lower the taxable value of your property, which directly affects how much you pay in taxes. But applying for these exemptions isn’t always straightforward, and many homeowners make mistakes that can lead to missed savings.

Whether it’s misfiling, missing deadlines, or not updating changes in occupancy, there are several common pitfalls property owners face when applying for exemptions. In this blog post, we’ll highlight the top exemption mistakes to avoid and provide tips on how to make sure you don’t miss out on the property tax relief you deserve.

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1. Misfiling Exemption Applications

The first and most common mistake property owners make is filing their exemption applications incorrectly. Filing an application with missing information or inaccurate details can delay your exemption or even result in a denial.

Common issues:

• Incorrect Property Index Number (PIN): The PIN is a unique identifier for your property, and if it’s entered incorrectly, your application won’t be processed. Even small mistakes, like a typo in your PIN, can cause major problems.
  
• Incomplete Forms: Many homeowners forget to include all the necessary documentation with their exemption application. For example, if you’re applying for the Senior Citizen Exemption, you’ll need to submit proof identity and occupancy. Failing to include these documents can lead to a rejection.
  

How to avoid it:

• Double-check everything: Before you submit your application, take the time to review all the information. Verify that your PIN is correct and that you’ve filled out every section of the form. Also, make sure you’ve attached any required documentation.
  
• Seek help if needed: If you’re unsure about how to complete the form or what documents are needed, consider reaching out for professional assistance. A Cook County property tax Attorney can guide you through the process and ensure everything is filed correctly.
  

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2. Missing Deadlines

Another costly mistake is missing the filing deadlines for your exemptions. Cook County has strict deadlines for property tax exemption applications, and if you miss them, you will then need to apply for a Certificate of Error – which means the savings will not show up on your tax bill, but they will have to issue you a refund check

 Unfortunately, deadlines aren’t flexible, and submitting an application late could mean waiting until the next tax year to reapply.

Common issues:

• Not knowing the deadlines: Property owners often miss out on savings simply because they’re unaware of the exemption filing deadlines. Cook County typically has one deadline for submitting exemption applications, and missing it can mean losing out on valuable tax reductions for the entire year. Staying informed and acting early is key to making sure you don’t leave money on the table.
• Procrastination: Sometimes property owners delay filing their exemption applications, thinking they have more time. However, this delay can be costly if it causes you to miss the cutoff date.
  

How to avoid it:

• Keep track of deadlines: Make sure you’re aware of the exact dates for filing exemptions. The Cook County Assessor’s website will have the latest information, and setting a reminder can help ensure you don’t forget.
  
• File early: Don’t wait until the last minute. Filing early gives you a buffer in case you need to gather additional documents or if any issues arise.
  

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3. Not Updating Changes in Occupancy

Many exemptions, like the General Homestead Exemption, are only available if the property is your primary residence. If there are changes in how you use the property—such as renting out part of your home or moving to a different property—you may need to update your exemption status. Failing to report these changes can lead to fines and interest penalties.

Common issues:

• Moving to a new property: If you’ve moved out of your property but haven’t updated your exemption status, you could continue receiving an exemption for a property you no longer live in, which can result in penalties and repayment of the exemption amount also.
  

How to avoid it:

• Report changes promptly: If you make any changes to how your property is used—notify the Cook County Assessor’s Office as soon as possible. This will help ensure you don’t lose your exemption or face penalties.
  
• Review your status regularly: Each year, take a moment to review your property’s exemption status. Make sure it accurately reflects how you’re using the property. If anything has changed, be sure to update it with the Assessor’s office.
  

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4. Failing to Reapply for Exemptions Each Year

Some exemptions, like the Senior Freeze Exemption, require homeowners to reapply every year. If you forget to reapply or don’t submit the necessary paperwork, you could lose your exemption for the upcoming year, which may result in a higher tax bill.

Common issues:

• Assuming exemptions renew automatically: Many homeowners mistakenly believe that exemptions will automatically renew each year. However, there are exemptions, especially those for seniors or those with income restrictions, that require annual reapplication.
  
• Not submitting updated paperwork: Even if you applied last year, you might need to provide updated documents such as proof of income, age, or residency. Failing to submit these can lead to the loss of your exemption.
  

How to avoid it:

• Reapply every year: If your exemptions require annual renewal, make sure to submit your application on time each year. Check the Assessor’s website for the latest deadlines and required documents.
  
• Stay organized: Keep track of what’s required for each exemption. For instance, make sure to have your tax returns or proof of age ready for exemptions like the Senior Citizen Homestead Exemption.
  

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5. Not Seeking Professional Help When Needed

If the exemption process seems confusing or if you’re unsure about your eligibility, it’s always a good idea to seek professional help. While you can file exemptions on your own, there’s always a risk of making an error. A Cook County property tax Attorney can help you navigate the application process, ensure all forms are filled out correctly, and even help you reapply for exemptions if your application is denied.

Common issues:

• Not knowing which exemptions you qualify for: There are many types of exemptions, and sometimes property owners don’t know all the exemptions they may be eligible for. This can lead to missed savings.
  
• Inaccurate or incomplete applications: Filling out exemptions incorrectly can result in your exemption being denied or delayed.
  

How to avoid it:

• Consult a professional: If you’re unsure about your exemptions or need help with the process, don’t hesitate to seek assistance from a property tax attorney. They can ensure that your application is filled out correctly, and you get all the tax relief you’re entitled to.
  

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Conclusion

Applying for property tax exemptions is one of the best ways to reduce your tax burden, but many property owners make common mistakes that can prevent them from receiving the relief they deserve. To avoid these pitfalls, be sure to file your applications correctly, meet deadlines, update your exemption status when needed, and seek help if necessary.

If you’re unsure about the exemption process or need assistance, contact a Cook County property taxes Attorney today. At Aaron Fox Law, we can help you navigate the complexities of the property tax exemption system and ensure that you’re receiving the full benefits you qualify for.