How to File a Home Insurance Claim

Your home insurance policy is a critical safeguard against financial losses and unexpected expenses related to your home. While maintaining adequate coverage is essential, navigating the process of filing a claim can sometimes feel overwhelming. At Cloverleaf Insurance, we’re here to provide expert guidance on all aspects of home insurance, including helping you understand and prepare for the claims process.

5 Steps to Expect When Filing a Claim

Following covered incidents, such as fires, burglaries, vandalism, and damage caused by motor vehicles or falling tree limbs, understanding the claims process can save you valuable time and resources. Acting quickly and knowing what steps to take can make all the difference during these difficult situations. While the exact  process may vary by insurer, you can generally expect the following steps:

1. Make contact. You should notify your insurer of your incident as soon as possible, as this can directly impact how soon you’ll receive a payout. If applicable, contact law enforcement officials, as police reports may be needed for specific claims.
2. Document. Use photographic and video evidence to document your losses, including structural damage and broken belongings. You should also maintain an inventory of your possessions in advance, including serial numbers and purchase receipts, to help calculate losses and replacement costs.
3. Start repairs. Once you’ve notified your insurer and documented losses and damages, you can generally begin making temporary repairs to prevent further damage, such as a hole in your roof or a broken window. Retain any receipts and other documentation regarding the cost of these efforts as part of your claim.
4. Meet with your adjuster. Make time to be at home and available to meet with an insurance adjuster, who will likely be assigned by your carrier to assess the damage and determine the validity of the claim. This person will be your primary contact during the claims process. Your presence is necessary to advocate for yourself and answer any questions your adjuster may have.
5. Evaluate result. After the adjuster completes their evaluation, your insurer makes a determination regarding your claim. If you’re unsatisfied with the outcome, appealing or seeking additional support through a public adjuster, mediator or legal professional is a valid course of action. Filing a complaint with your state’s Department of Insurance is another legitimate option if you feel the insurer has acted unfairly.

We’re Here to Help

Contact Cloverleaf Insurance today to learn more about the home insurance claims process.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.