ByAndy Lindquist
No one wants to file a home insurance claim, but knowing the right steps can make the process smoother and help you get paid faster. Whether it’s storm damage, theft, or a fire, here’s what to do.
Step 1: Document the damage. Take photos or videos as soon as it’s safe. The more evidence you have, the easier it is to prove your claim.
Step 2: Prevent further damage. Insurers expect you to protect your property from worsening. That could mean boarding up a broken window or covering a leaky roof with a tarp.
Step 3: Contact your insurer quickly. Most companies want you to notify them within a set timeframe. Call your agent or claims department to get started.
Step 4: Keep receipts. If you need temporary repairs or have to stay in a hotel, save receipts. Many policies cover additional living expenses while your home is being fixed.
Step 5: Work with the adjuster. Your insurer will send someone to assess the damage. Walk them through what happened and share your documentation.
Claims can feel stressful, but following these steps keeps things organized and maximizes your payout. And remember: making a small claim may not always be worth it if it leads to higher premiums. Use your policy wisely.
