Tips for Filing a Claim with Homeowners Insurance

Insurance Services Tips 

As a homeowner, you never know when disaster will strike. It could be a flood, a fire, or a burglary. That's why it's important to have homeowners insurance. But filing a claim can be a daunting task. Here are some tips to help you navigate the process.

1. Know Your Policy

Before you file a claim, it's important to know what your policy covers. Take the time to read through it and make sure you understand all the details. Some policies have exclusions or limitations that you should be aware of.

For example, if you live in an area prone to flooding, you may need to purchase additional flood insurance. Or, if you have expensive jewelry or artwork, you may need to purchase additional coverage to protect those items.

It's also important to know your deductible, which is the amount you'll need to pay out of pocket before your insurance kicks in. Make sure you have enough money set aside to cover your deductible in case of an emergency.

2. Document Everything

When you file a claim, you'll need to provide documentation of the damage or loss. Take photos or videos of the damage, and keep any receipts or invoices for repairs or replacements.

It's also a good idea to keep a log of any conversations you have with your insurance company, including the date, time, and the name of the person you spoke with.

If you need to make temporary repairs to your home, such as boarding up broken windows or tarping a damaged roof, make sure you keep receipts for those repairs as well.

3. Act Quickly

Don't wait too long to file a claim. Most insurance policies have a time limit for filing a claim, and waiting too long could result in your claim being denied.

As soon as you discover damage or loss, contact your insurance company to start the claims process. They'll provide you with instructions on what to do next.

4. Be Honest

When you file a claim, be honest about what happened. Don't exaggerate or lie about the damage or loss. Insurance fraud is a serious crime and could result in your claim being denied or even criminal charges being filed against you.

It's also important to be honest with your insurance company about any pre-existing damage or maintenance issues with your home. If you try to file a claim for damage that was already there, your claim will likely be denied.

5. Work with Your Insurance Company

Your insurance company is there to help you, so work with them to get your claim processed as quickly as possible. Be responsive to their requests for documentation or information, and keep them updated on any repairs or replacements that are being made.

If you're having trouble understanding the claims process or you're not getting the help you need, ask to speak with a supervisor or a claims adjuster. They may be able to provide you with additional assistance.

6. Consider Hiring a Public Adjuster

If you're having trouble getting your claim processed or you feel like you're not getting a fair settlement, consider hiring a public adjuster. A public adjuster is an independent insurance professional who can help you negotiate with your insurance company and get a fair settlement.

Keep in mind that public adjusters work on a contingency basis, which means they take a percentage of your settlement as their fee. Make sure you understand the fees before you hire a public adjuster.

7. Don't Give Up

If your claim is denied or you're not happy with the settlement offer, don't give up. You have the right to appeal the decision or negotiate for a better settlement.

If you decide to appeal, make sure you have all the necessary documentation to support your claim. You may also want to consider hiring an attorney who specializes in insurance law to help you with the appeals process.


Filing a claim with your homeowners insurance can be a stressful and overwhelming experience. But by knowing your policy, documenting everything, acting quickly, being honest, working with your insurance company, considering hiring a public adjuster, and not giving up, you can navigate the process and get the settlement you deserve.

Remember, your insurance company is there to help you in your time of need. Don't be afraid to ask for help or clarification if you're unsure about something. And always keep detailed records of everything related to your claim. With the right preparation and mindset, you can successfully file a claim and get back on your feet after a disaster.