What you need to know about filing a homeowners claim
The homeowners’ insurance claims process often comes along with extra stress and uncertainty. Filing a claim with your insurance company means you’ve suffered an unexpected loss or damage to your home and getting your life back to normal is your number one priority and our priority too.
To take away some of the hassle and uncertainty, it’s important to know what to expect and to have a plan. That’s why we’ve provided you with a handy checklist of what to do and what to expect when filing a homeowners insurance claim. The homeowners claim filing checklist is your to-do list to help you through the claims process.
Homeowners Insurance Claims Filing Checklist
If you’d like to download a PDF of the checklist please click here >>
Do you know what to do if you need to file an insurance claim? Filing an insurance claim is something we don’t give much thought to until we need to do it. This checklist is designed to take away some of the uncertainty and stress of filing a claim and help you understand the process.
The first thing you’ll want to do if you need to file a claim is to contact your insurance agent to discuss your claim. They will help inform you of what to expect and advise you on the steps you need to take.
If you need to report a claim after business hours contact your insurance provider (the company that issued your policy).Your insurance agent will automatically be prompted that you’ve filed a claim and will have access to the information that you provided the insurance company.
- Think safety first – contact police or emergency personnel if there are any injuries or a crime.
- Call your insurance agent or insurance provider depending on the time of day and who is available
- Have the name of the policyholder and policy number available when you call
- Provide details and facts related to the damages and loss
- Be sure to write down the claims number you are assigned
- Get the name and contact information of the Claims Handler and/or Adjuster that is assigned to your case
- Don’t be afraid to ask for confirmation in writing (email will do) about the details of the conversations with your insurance agent or claims adjuster
- Protect damaged areas
- Provide a secure and safe zone around the damaged area
- Check for safety such as structural integrity and electrical safety
- Make temporary repairs to prevent further damage
- Make a list of damages so that you will not forget items you want to discuss with the insurance adjuster
- Use home inventory records for damaged items
- Take photos or video or the damages
- Keep all damaged items until after the insurance adjuster has made their inspection
- Get estimates and quotes for repairs
- Establish a timeline with your insurance agent or claims handler for repairs
- Keep a folder with all records, receipts, and documentation
- Maintain contact with your insurance agent or claims handler for updates on the progress of your claim
- Ask your Claims Adjuster if there’s a way to track your claim online
Communication is the most important aspect of filing a claim. You can depend on your local independent insurance agent to listen, help you stay informed and guide you through the claims process. At Colby Insurance Group, we’re not only here to listen and understand your unique claims situation but also be your advocate to make sure your claim is handled efficiently and appropriately by your insurance provider.
Click on the link if you would like a PDF version of the Homeowners Claims Filing Checklist.