How to File a Homeowners Insurance Claim

Filing a home insurance claim in a timely fashion can put money in your pocket faster.

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Maybe it's a loud crash overhead. Maybe it's shattering glass. Maybe it's a steady drip of water from your kitchen ceiling. Any of these sounds could mean that you quickly need to learn how to file a home insurance claim.

You can't just kick back and wait for your insurance company to pay up. You’ll have to report the issue promptly, keep track of all expenses and communicate with the insurer to make sure that you get paid in full for your homeowners insurance claim. Here are seven tips to help make the process easier.

1. File your home insurance claim immediately

Depending on your insurer, you may be able to submit home insurance claims online, through an app, via your agent or by calling the company directly. No matter which method you choose, reporting a claim right away can put money in your pocket faster.

Your insurer will assign a claim number and send an adjuster to assess the damage. Shortly after, the insurance company will issue an initial payment — minus your deductible — to cover the estimated cost of repairs.

If your claim occurred because of storm damage, it's likely that other homes in the area were also affected. That means there will be more claims and greater demand on your insurer. Submitting a claim immediately can help get you close to the front of the line.

2. Document the damage

Taking photos and creating an inventory of damaged items gives you and your insurer a record of everything that needs to be repaired or replaced. The more information the insurer has, the better — so try to get pictures of labels and model numbers, especially for more expensive items.

3. Make temporary repairs

If you have a hole in your roof, you don't have to live with it until the adjuster arrives. Once you've documented the damage for your insurer, you can make temporary repairs if it's safe to do so.

Whether it's stopping a leak or boarding up a broken window, stopgap repairs can prevent further issues and save time and money. If you don't take steps to fix an immediate problem and the insurer thinks you could have, you might not be fully covered. Say you don't board up a broken window and someone climbs through and steals a TV. Your insurance company might not pay for it.

As long as you keep receipts and can document why the repairs were needed, you can submit the expenses to your insurer as part of the claim.

4. Communicate with your adjuster

Your insurance company will appoint an adjuster to handle the claim, and that person will be your primary point of contact throughout the process. You'll want to detail the damage for them, answer any questions they have, provide documentation of expenses and update them on the status of repairs.

You’ll need to be your own biggest advocate. Remember, the adjuster represents the insurance company's interests, not yours.

"Be politely assertive" with the adjuster, says Amy Bach, executive director of United Policyholders, a nonprofit and advocate for people with insurance. "Don't come in with boxing gloves ready to fight."

You also can hire a public insurance adjuster. A public adjuster manages the claim for the policyholder and advocates on your behalf with the insurer. In exchange for their expertise, you'll typically pay a public adjuster a percentage of the final claim amount, according to David Barrack, executive director of the National Association of Public Insurance Adjusters. Barrack estimates the fee at about 15%, but some states may have a lower cap.

5. Save your receipts

You could spend a lot of money on temporary repairs before receiving a payment from your insurance company. If you receive a check from the insurer upfront, you'll still need to save all receipts — estimates won't cut it. The initial payment typically doesn't cover the full cost of repairs. If you want to get paid back in full, you'll need to prove what you actually spent.

6. Consider your contractor

If your home is damaged, you don’t have to use the insurance company’s recommended contractor to do the repairs. Bach says insurers tend to bring in companies they frequently partner with. However, you could still find a licensed, bonded and insured contractor on your own if you have concerns about the cost estimate, for example.

7. Get help with living expenses

If your home is so badly damaged that you can’t live in it, your insurance company may be able to help. Loss of use coverage is part of a standard homeowners policy and will pay for things like hotel stays and restaurant meals if you can’t live at home. Again, you’ll want to keep all receipts to make sure you’re fully reimbursed for this part of your homeowners insurance claim.

Frequently asked questions

Filing a homeowners insurance claim often results in higher rates, but it depends on where you live and what caused the damage. For example, in Texas, homeowners insurance companies aren’t allowed to charge you more if your claim stems from a natural cause, such as weather. Check with your state’s department of insurance for specifics about where you live.

You have a few options. First, you can try appealing your case directly with the home insurance company. If that doesn’t work, you can file a complaint with your state’s department of insurance. You can also try hiring a public adjuster, lawyer or mediator to assist. Learn more about how to dispute a home insurance settlement or denial.

Wind and hail are the most common causes of homeowners insurance claims, according to data from the Insurance Services Office and the Insurance Information Institute. The Insurance Information Institute calculates that wind or hail claims are filed each year for one in 35 insured homes.

Whether a claim is worth making depends on a variety of factors. For instance, if the damage is minor, you might not get much of a payout once the insurer subtracts your deductible. Plus, filing a claim could lead to a higher premium, which could cancel out the benefits you receive for a relatively small claim. For these reasons, you might not want to file a home insurance claim unless the damage is significant.

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