home insurance claim

What is a Homeowners Insurance Claim?

You may need to file a homeowners insurance claim due to various occurrences. A homeowners insurance claim is a claim made to your insurer to receive coverage for covered events under your homeowners policy. To ensure the process is successful, you will need to follow key steps. 

Most homeowners insurance claims are related to damages caused by weather, such as hail or water damage. After making a claim, your insurer will review the claim and either reimburse you or deny the claim. In some cases, you may need to negotiate the payout if you are not comfortable with the amount your insurer pays.

How to File a Claim

The claims process may vary depending on your insurer and your state. However, there are general steps to filing a homeowners insurance claim. You will need to file a claim within one year of the covered event to receive coverage in most states. If the covered event includes a crime such as a burglary, make sure to contact your local authorities first, then contact your insurance company. A police report will help you during your claims process for events related to a burglary or criminal act.

The next step is to detail the damages and call your insurer. The insurance company will provide more information. While your insurer reviews your claim, you may need to make temporary repairs when necessary. You may need to make certain repairs to avoid further damage while your claim is being processed. Ensure you document the property before and after repairs. Also, keep the damaged items and receipts for purchases you made during repairs.

After that, ensure you fill in and submit all necessary forms in time. In most cases, your insurer will send a claims adjuster to assess the damages and acquire other information. If you relocated temporarily, keep receipts relating to your relocation. If your claim is approved, your insurer will reimburse you for the damages or repair expenses. 

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