Categories: Homeowner1.5 min read

1. Ensure Safety First

  • Make sure you and your family are safe. Evacuate immediately if the property is unsafe and only return when conditions permit.

2. Document All Damage Thoroughly

  • Take clear photos and videos of affected areas, including close‑ups and wide‑angle shots.
  • Create an inventory of damaged items with approximate values and date‑stamped images if possible

3. Review Your Homeowners Insurance Policy

  • Verify what types of damage are covered, your deductibles, policy limits, and reporting deadlines.
  • Understanding your coverage helps set expectations and avoid delays.

4. Report the Loss to Your Insurance Company Promptly

  • Contact your insurer immediately—most policies require immediate reporting or reporting within a specific window.
  • Provide a description of the damage, photos, video, and your itemized list of losses.

5. Mitigate Further Damage

Policies require homeowners to prevent additional harm.
Examples:

  • Tarp damaged roofs.
  • Shut off water for leaks.
  • Board up broken windows.
    Keep receipts—insurers generally reimburse reasonable protective expenses.

6. If Applicable, Contact Police

  • Required for claims involving burglary, theft, or vandalism.
  • Many insurance companies will not process related claims without a police report.

7. Meet With the Claims Adjuster

  • After the claim is filed, an adjuster will inspect and document the damage, gather information, and determine compensation.
  • Expect payouts in stages: typically an initial actual cash value payment, followed by replacement cost once repairs are completed.

8. Cooperate Throughout the Claims Investigation

  • Follow all adjuster instructions.
  • Provide requested documents, receipts, estimates, and proof of loss.
  • Keep communication timely to avoid delays.

9. Identify and Fix the Source of Damage (When Safe)

  • For water losses, locate the source (pipe, fixture, appliance) and stop it if possible.
  • Document the area and keep all repair estimates/receipts.

10. Keep Detailed Records

  • Maintain copies of:
    • Photos and videos
    • Contractor estimates
    • Receipts
    • All correspondence with your insurer
      These become important if disputes arise.
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