How do I file a Homeowners Insurance claim?
Answer:
When your home suffers a loss covered by your homeowners insurance you will need to start the claims process


by making a few phone calls. First, if you were a victim of a burglary or other crime, call the police. Next, call your insurance company and begin the claims process.

If the police are involved, get a copy of the police report as well as the names of all officers you spoke with.

Call your homeowners insurance company and find out if you are covered for the losses. Find out how much your deductible is and if there are any time limits to filing the claim. The customer service representative will likely take most of the claim information over the phone or send out paperwork for you to fill out.

You will bear the burden of proof which means you must prove your losses. It’s best if you have inventoried your home’s contents prior to the loss. Prepare a list of damaged or lost items and either take photos or video of the damage. Gather receipts for damaged or lost items. When the paperwork arrives, fill it out completely and accurately.

An insurance adjuster will come to your home to survey the damage and propose a settlement offer.
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