Step-by-Step Claims Process
Ensure Safety First
If there's danger (fire, structural damage), evacuate and call 911. Your safety matters more than the claim.
Document Everything
Before cleaning up or making repairs:
- • Take photos and videos of all damage
- • Photograph damaged items with serial numbers visible
- • Keep damaged items for adjuster inspection
- • Create a written inventory of damaged/destroyed items
Prevent Further Damage
Make reasonable temporary repairs (tarp over roof, board up windows). Keep receipts—these are reimbursable.
Contact Your Insurance Company
Call your insurer's claims line (usually 24/7). Have your policy number ready. Most companies want notification within 24-72 hours.
Meet with the Adjuster
An adjuster will inspect the damage. Be present, show them everything, and provide your documentation. Don't minimize or exaggerate.
Review the Settlement Offer
You'll receive a settlement estimate. Review carefully. You can negotiate if you disagree with the valuation.
Mistakes to Avoid
❌ Throwing away damaged items
Keep everything until the adjuster sees it, even if it seems obviously ruined.
❌ Making permanent repairs too soon
Only make temporary repairs to prevent further damage. Wait for adjuster approval on permanent fixes.
❌ Accepting first offer immediately
Initial settlements are often negotiable. Get your own repair estimates to compare.
❌ Not reading your policy
Know your coverage limits, deductibles, and exclusions before you need them.
When NOT to File a Claim
Filing a claim goes on your CLUE report for 5-7 years and can increase premiums 10-40%. Consider paying out-of-pocket if:
- • Damage is less than your deductible
- • Damage is only slightly above your deductible
- • You've filed a claim in the past 3-5 years
- • The damage is cosmetic and you can live with it
Rule of thumb: If damage is less than $5,000 and you can afford it, seriously consider not filing.
FAQs
How long does a home insurance claim take?
Simple claims: 2-4 weeks. Complex claims (major damage): 1-3 months. If you disagree with the settlement, it can take longer to negotiate or dispute.
Can I choose my own contractor?
Yes! Your insurer may recommend contractors, but you're not required to use them. Get multiple estimates and choose a reputable contractor.
What if I disagree with the adjuster?
You can: 1) Provide your own repair estimates, 2) Request a re-inspection, 3) Hire a public adjuster (they take 10-15% of payout), or 4) File a complaint with your state insurance department.
The Bottom Line
Document everything before you clean up. Prevent further damage with temporary repairs. Know your policy before you need it. And remember: not every damage is worth a claim. Weigh the payout against the long-term premium increases.