What Happens When You File A Homeowners Insurance Claim? 
When you need to file a Homeowners Insurance Claim , the best and quickest way to handle it is to call the CLAIMS Telephone number listed on your Homeowners Insurance declarations page . Most carriers have a 24 Hour reporting line for claims ; the station is staffed by an individual trained to take an initial report and pass it on to the assigned claims adjustor based on the type of claim and geographical location of the loss . Once the preliminary report is taken , a claims number is assigned , an adjustor is assigned and the preliminary record is report to the National Database also known as CLUE ; CLUE is a tool used industry wide to review prior claims activity on homes . The CLUE report will later be updated eventual showing the Closed Status and total amount paid by the insurance carrier to resolve the claim . When making the initial claim report , it is beneficial to only offer a simple and general explanation of the nature of the loss ; it is always better to give all the details directly to the claims adjustor as the initial claims report is usually not taken by a person licensed and trained with the capabilities of the insurance adjustor.In most cases , the insurance carrier will assign and adjustor who will make an initial contact within 1 business day . The adjustor will make an appointment to come out and review the damages claimed , a detailed estimate of the required repairs will be prepared and the adjustor willinterpret the policy to determine if and to what extent coverage applies to the damage incurred ; the final process will be a resolution letter mailed to the insured with a full accounting of the situation and perhaps an associated check for repairs . In some cases , an initial payment may be offered holding back thedepreciated portion of the loss until thedamages or items are replaced after which the carrier will reimburse the insured for the full replacement cost of the items as long as the policy coverseverything on a replacement cost basis . Any specificquestions regarding a loss should be directly discussed with the claims adjustorwho is licensed and responsible to handle the complete transaction and explain the processto the insured . Prior to any claim occurrence , it may alsobe a good idea to contact a licensed insurance representative to learn the process and best recommended method of handling thesituation should youencounter a claim . 