How To File A Homeowners Insurance Claim? 
If you are sued call your agent or company immediately . If you suffer damage to your residence or personal property that just barely exceeds your deductible contact your agent before calling in a claim . Filing a claim might affect future premiums and the net result might be more than you desire . Once you are certain that filing a claim is in your best interest call the companys 800 number and let them know what happened . 