How to File an Insurance Claim: Step by Step
The exact process depends on your insurer and policy. This is a general outline.
- Make sure everyone is safe and get help if needed.
- Prevent further damage where safe, such as stopping a leak.
- Document everything with photos, videos and notes.
- Read your policy for coverage, exclusions and your deductible.
- Report the claim to your insurer by its phone, app or website, and note the claim number.
- Work with the adjuster and give requested documents.
- Keep records of conversations, receipts and estimates.
- Review the decision. If you disagree, ask the insurer about its appeal process, or contact your state insurance department.
Related guides
- How car insurance claims work
- How to talk to insurance claims adjusters
- Water damage insurance claim tips
- How to cash an insurance check
This page is general information only. It is not insurance, legal, tax or financial advice. Rules, coverage and prices vary by state, insurer and policy, so check your own policy documents and talk to a licensed agent or your insurer before making decisions.
