How to File a Homeowners Claim
Simple steps, documents to gather, and what to expect from adjusters… get organized before you call
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Take photos, stop ongoing damage, keep receipts for mitigation… call us if you want a coverage review before reporting to the carrier. Use the contact form after hours.
Report to the carrier, get a claim number, schedule inspection… keep a simple log with dates, names, and actions so the process stays on track.
Review the estimate, compare scope with your contractor, submit supplements if needed… do not discard materials until the adjuster sees them.
Talk through your options
We can review your policy and help you plan next steps.
What are the first three steps after a loss?
Protect people and pets, prevent further damage, and document the scene. Photos and short videos help. Save invoices for emergency services… upload them in your client thread so they are ready for the adjuster.
Should I call my agent before I call the carrier?
Many clients call us first to review deductibles, coverage, and likely outcomes… then you decide whether to file. If you file, we provide carrier contacts and your policy details so the intake moves quickly. Reach us by phone or through the contact form.
What information will the carrier request?
Date and cause of loss, parts of the home affected, any mitigation performed, and whether the home is safe. Keep a simple notebook with dates and names. This helps you stay organized during calls and inspections.
How do deductibles work for wind, hail, or hurricane?
Some policies use a flat deductible, others use a percentage for wind events… especially near coasts. We can read your declarations page with you. See basics in our homeowners guide.
Do I need multiple repair estimates?
Not always… the adjuster estimate sets scope and price. If your contractor disagrees, they submit a supplement with photos and code citations. Keep communications in writing when possible.
What photos help the adjuster most?
Wide views to show context, closeups with a ruler or common object for scale, and serial numbers for affected equipment. Keep damaged parts until instructed otherwise. Upload files to your client thread.
How do depreciation and recoverable depreciation work?
Many policies pay actual cash value first… you recover depreciation after repairs and proof of completion. Keep invoices and proof of payment so the carrier can release the holdback.
What is additional living expense?
Loss of use covers temporary housing and related costs when your home is not livable due to a covered loss. Save receipts and ask your adjuster which expenses qualify. We can help you read the clause in your policy.
How do mortgagee checks get endorsed?
Checks may include your lender… contact their loss draft department early and ask for their checklist. Expect photos, estimates, and inspections before release of funds.
What if the contractor’s estimate is higher than the adjuster’s?
Request a supplement… the contractor sends photos, scope notes, and code references. Keep communications in one email thread so nothing gets lost.
Should I file a small claim?
Consider your deductible, claim type, and future insurability. Frequent preventable losses can affect pricing more than one weather event. We can quote alternatives through our review if you want to compare.
Is pre-existing damage covered?
Policies cover sudden and accidental loss… pre-existing or wear and tear are generally excluded. Good photos and maintenance records help you avoid disputes.
What if my claim is denied?
Ask for a denial letter that cites the policy language… you may provide additional evidence or obtain a second opinion. We can review the letter with you by phone.
Can I choose cash out instead of repairs?
Many carriers allow it… you receive actual cash value and may forfeit some depreciation. Verify lender requirements before deciding.
How long should a typical claim take?
Simple claims may wrap up in weeks… complex structural or water claims can take months. A tidy document trail shortens review times.
| Type | Usually covered? | What helps approval |
|---|---|---|
| Wind or hail | Often covered, deductible applies | Roof photos, dates, weather reports |
| Water backup | Covered with endorsement | Plumber invoice, backup photos |
| Flood | Needs separate flood policy | High water line photos, mitigation receipts |
| Fire | Covered when accidental | Fire report, itemized inventory |
| Wear and tear | Excluded | Maintenance records help clarify cause |
Need help deciding?
We can review your policy and help you plan next steps.
Last Updated on by Zee Caddick