How Does Homeowners Insurance Claims Work? 
Different companies may handle the claims settlement process differently , but this is my experience . Once you have discussed your loss with your Insurance Professional and have understood your coverage and your deductible and discussed your options , it will be time to report the claim . Usually within 24 hours , you should expect to hear from a Claims Services Representative -LRB- CSR -RRB- who will ask you for more details and want to know what you have done to protect from further damage . In some cases , if the loss is fairly simple and the estimate you have obtaned is within a certain amount , the CSR may send you a check at that time . If the loss is larger and more complicated , it will be assigned to a Professional Licensed Field Adjuster who will contact you and secure an appointment to inspect the damage , determine coverage and explain the procedure from that point . This person can also be a great resource a for referrals to licensed professional contractors should you need one . However , you are not obligated to use any of those contractors if you do n't want to . The Field Adjuster may issue preliminary payments to get the work started and supplemental payments as it progresses . Once the work is completed to your satisfaction and to the extent of coverage provided by your policy , the claim will be closed . 