The Insurance Claims Process

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Call your agent immediately and submit the claim to ensure it is within the required timeframe as indicated on your policy. Ask what is needed to ensure a smooth process: deductible, estimates, claim forms, etc.

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A few tips to guide you through the insurance claims process:

Know Your Policy
Be familiar with your coverage, deductibles, and any exclusions before disaster strikes. 

Create a Home Inventory List
Create or update your home inventory list before you need to file a claim.  You can videotape or photograph items.  Keep the list in a secure off-site location. Watch this video on creating a home inventory. 

Prevent Further Damage
Make any minor repairs to prevent further damage to your property.  Take pictures, keep replacement parts and receipts.  Do not make complete or final repairs until after the insurance company has had an opportunity to review.

Call Your Agent/Provider Immediately
Submit the claim as soon as possible to ensure it is within the required timeframe as indicated on your policy.  Ask what is needed to ensure a smooth process: deductible, estimates, claim forms, etc.

Speak with your Claims Representative
After you file a claim, a claims representative will contact you. Be prepared to share documentation, pictures, and receipts, as this will expedite the process.