Regardless of how diligent and safe you are in maintaining your home and minimizing risks, you may eventually need to submit a claim against your homeowners insurance. It should be noted that filing a claim against the personal liability portion of your homeowners insurance may include a different process.
Here is a general overview of how the claims filing process for property loss or damage typically works:
1. Report an incident. If you sustain losses covered by your homeowners insurance, you should notify your insurance company as soon as possible.
2. Document losses. Your insurance company may need you to document your losses, including a detailed list of lost or damaged items, photos and videos, and receipts or invoices related to repairs.
3. Work with an adjuster. You should expect your insurer to dispatch a claims adjuster to visit your home and investigate your losses.
4. Receive payment. If approved, your claim may be paid out in a single lump sum or through a series of payments. Sometimes, payment will be remitted directly to the contractor if you’re having repairs made.
Please note that every insurance policy and claims filing process is different. Contact your insurance agent to learn more.