High Value Home Insurance: About the Claims Process When you take out high value home insurance , it's important to read your policy carefully, because it will disclose the procedure for making a claim. Typically, a telephone number is provided as well. Many of these numbers can be called any day and any time. It's important to telephone the insurer's claim number as soon as it becomes evident you'll be making a claim and also notify your specialist home insurance broker, who will manage the claim on your behalf. You'll be able to find the number in the policy booklet you receive when the insurance goes into effect. Here's what to expect. High Value Home Insurance: The Initial Call When you call the insurer, you'll get the opportunity to report the loss and discuss the claim with a customer service advisor or claims specialist who's familiar with the claims process. Be sure to ask whatever questions you need to at this time. It helps to have written down your questions before making the call. Once you've explained the situation, the advisor will answer your questions and then tell you whether you have a valid claim. During the call, you'll need to provide specific information, such as your policy number, an estimate of the amount of the claim and a crime reference number, if applicable. A small claim may be settled immediately. For larger claims, the insurer will send a representative, also called a loss adjuster, to inspect the damage. This