Understanding how making a homeowners insurance claim works before you begin the process is helpful. In general, you should begin by taking the following steps:
1. Contact necessary parties—This may include your insurance company and, if a crime occurred, the police.
2. Document losses—Keep detailed records of damages, including photographic and video evidence. Make sure you conduct this process before making any repairs.
3. Obtain estimates—Contact qualified professionals and get quotes for the estimated cost of repairs.
After submission, a claims adjuster may visit your home to inspect your losses. Settlement payments may be offered at this time or at a later date. It’s also possible that settlements may be sent directly to your mortgage lender or to contractors hired to restore your property.