How to File a Homeowners Insurance Claim

Homeowners claims are won or lost on documentation. The more you have, the better your settlement.

Step-by-step

1. 1. Stop further damage

   Tarp the roof, shut off water, board up broken windows. Save receipts — these mitigation expenses are usually reimbursable.

2. 2. Document before cleanup

   Walk every room with video, narrating what was damaged and when. Photograph contents from multiple angles. Don't throw anything away until the adjuster sees it.

3. 3. Contact your insurer

   Call the claims number — not your agent's office. Get a claim number in writing.

4. 4. Make a contents inventory

   Room by room, list every damaged item with brand, age, and replacement cost. This is the single highest-leverage thing you can do.

5. 5. Get independent contractor bids

   The insurer's preferred contractor list is convenient but their estimates favor the insurer. Get at least one outside bid.

6. 6. Push back on lowball offers

   Initial settlements are often 30–50% below fair value. Counter with documentation. For large losses, hire a public adjuster (10% fee, often pays for itself).

Common pitfalls

• Filing for damage below your deductible — it counts as a claim against your record.
• Cashing the first check without reading the release language.
• Not asking whether your policy is replacement cost or actual cash value.
• Throwing away damaged items before they are documented.

FAQ