How To File A Homeowners Insurance Claim? 
That is a great question ! When you have a problem that you need to get help from your homeowners policy on , contact your agent , and they will help you get the process started . Something that you may want to do first though , is assess the cost of the damage first . Let 's sat a branch falls from a tree , and knocks the gutters off the corner of your home , and breaks a window . Get a quick estimate or two on the repairwork . If it ends up being less than your deductible , just pay it , and maybe think about not filing the claim . The insurance company would have made you pay anyway , and there 's a pretty solid chance that your rate would increase as a result of the filed claim . If that were the case , you had a pretty expensive window repair , when you cost it out over the increased cost for the rest of the time you have the policy . I hope that helps , thanks for asking ! 