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How to file an insurance claim

Promptly filing an insurance claim is vital; it ensures timely assessment and repair of damages, and helps you get what you deserve without delays.

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Roof,Damage,From,Tree,That,Fell,Over,During,Hurricane,Storm

Step 1

Assess and Document the damage

Start by carefully assessing the damage to your property. Document everything meticulously, as this will be crucial for your claim.

  • Take photos or videos: Capture clear evidence of the damage from multiple angles.
  • Make a list of damaged items: Write down or record all the items that have been damaged or lost.
  • Prevent further damage: Take necessary steps to prevent additional damage, but only if it's safe to do so.

Step 2

Review Your Insurance Policy

Before filing a claim, it’s important to understand what your insurance policy covers. This will give you a clearer idea of the potential outcomes of your claim.

  • Check your coverage: Review the specifics of what your policy covers and the limits of your coverage.
  • Understand your deductible: Know the amount you'll need to pay out-of-pocket.
  • Note any policy conditions: Be aware of any specific conditions or procedures outlined in your policy for filing a claim.

Step 3

File the Claim and Follow Up

Contact your insurance company to file the claim. Provide them with all the necessary documentation and information about the damage.

  • Take photos or videos: Capture clear evidence of the damage from multiple angles.
  • Make a list of damaged items: Write down or record all the items that have been damaged or lost.
  • Prevent further damage: Take necessary steps to prevent additional damage, but only if it's safe to do so.
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Percentage of homes that file a claim each year
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Average claim amount for property damage
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Percentage of claims filed due to water damage
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Percentage of claims due to roof damage

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