Claims Guide
Filing a claim, step by step.
From the first phone call to a final settlement, here's what the process typically looks like — and where most people lose time or money.
From the first phone call to a final settlement, here's what the process typically looks like — and where most people lose time or money.
Contact your insurer as soon as reasonably possible. Most policies require timely notice, and delays can complicate the claim.
Photos, videos, and written notes taken close to the event carry more weight than a description written later from memory.
File formally through your insurer's portal, app, or agent, attaching your documentation and policy number.
An adjuster is assigned, reviews your file, and may schedule a physical or virtual inspection to assess the loss.
The insurer determines whether the loss is covered under your policy terms and communicates the decision in writing.
The insurer proposes a payment amount. You can typically ask questions, provide additional evidence, or negotiate before accepting.
If a claim is denied or underpaid, most insurers allow a formal appeal with additional documentation or a second opinion.
If your contractor's estimate is significantly higher than the offer, that gap is worth raising directly with the adjuster.
A written breakdown makes it easier to see exactly what is and isn't included in the settlement.
An initial offer isn't always final. Additional documentation can support a higher settlement in many cases.
Late reporting can raise questions about the cause or extent of damage.
Repairing or discarding damaged items before photos are taken removes key evidence.
Specific, written details hold up far better than general recollections during review.
Initial offers aren't always the insurer's final position — review before signing anything.
Select a status to see a plain-language explanation.