Introduction
Experiencing damage to your home can be stressful, but knowing how to file a homeowners insurance claim can help you recover quickly and efficiently. Whether you’re dealing with a burst pipe, a break-in, or storm damage, acting promptly and following the right steps will ensure you get the compensation you deserve. This guide walks you through every stage of the claims process.
If you’re unsure what your policy includes, start by reviewing our article on Homeowners Insurance Explained to better understand what coverage applies.
1. Assess the Damage and Ensure Safety
Your first priority should always be your safety. If the incident involves fire, flooding, or structural damage, leave the property and contact emergency services if needed.
Once it’s safe, take immediate steps to prevent further loss. For example:
- Shut off the water or electricity if applicable.
- Board up broken windows.
- Cover holes in the roof with a tarp.
These small steps can make a big difference when your insurer reviews your claim.
For tips on preparing your property to minimize future risks, read our guide on Preparing Your Home for Natural Disasters.
2. Review Your Insurance Policy
Before contacting your insurer, familiarize yourself with your policy’s coverage. This helps you set expectations for what’s covered and what isn’t.
Look for:
- Dwelling coverage (structure of your home)
- Personal property coverage (furniture, electronics, etc.)
- Loss of use or additional living expenses
- Liability (if someone else is injured)
Check your deductible—the amount you must pay out of pocket before coverage kicks in.
3. Document the Damage Thoroughly
This step is critical. Your claim’s success often hinges on proper documentation.
- Take clear, timestamped photos and videos of all damage.
- Make a list of damaged or missing items, including:
- Item name
- Purchase date (approximate is okay)
- Original cost
- Current estimated value
- Keep receipts for temporary repairs or emergency services.
4. Notify Your Insurance Company Promptly
Most homeowners insurance policies require you to report damage as soon as possible. Call or file a claim through your provider’s website or mobile app.
Be prepared to provide:
- Policy number
- Date and time of the incident
- Description of the damage or loss
- Documentation and photos
For more detailed consumer guidance, the NAIC Homeowners Insurance Resource offers official recommendations and tips for filing claims.
5. Meet With the Insurance Adjuster
In most cases, your insurer will send a claims adjuster to inspect the damage. This person will evaluate the extent of the loss and determine how much the company should pay.
Tips for a successful adjuster visit:
- Be present and walk them through all the damage.
- Provide your list of lost or damaged items.
- Share any estimates or contractor quotes you’ve received.
6. Get Multiple Repair Estimates
While your insurer may recommend contractors, you’re usually free to get your own quotes.
- Compare at least two or three estimates.
- Ensure contractors are licensed and insured.
- Avoid “storm chasers” or scammers offering quick fixes after disasters.
7. Track All Communications and Expenses
Stay organized throughout the process.
- Keep a log of all communication with your insurer (calls, emails, texts).
- Create a folder or digital drive for documents.
- Save receipts for hotel stays, meals, storage, or any other temporary living expenses.
This is essential for reimbursement under your loss of use coverage.
8. Receive the Settlement and Review Carefully
Once your claim is approved, you’ll receive a payment via check or direct deposit. It may be issued in stages—especially if repairs are ongoing.
Review your settlement carefully. If you believe it’s too low or if your claim is denied, you can:
- Ask for a written explanation.
- Provide additional documentation or estimates.
- File an appeal or get a public adjuster to assist.
Conclusion
Filing a homeowners insurance claim doesn’t have to be daunting. By acting quickly, documenting everything, and staying informed about your policy, you can make the process smoother and ensure a fair settlement. Your home is one of your biggest investments—protect it by being prepared and proactive when disaster strikes.