Filing a Claim

Filing a Claim

Filing a Claim

When an unfortunate event strikes your home, you will need to file a claim with your insurance company against your homeowners policy. Our public adjusters are here to help you in these cases, we represent you, the policyholder. Insurance companies tend to find ways to get out of the honoring your policy, we are here to help you fight in recuperating and maximizing the compensation you are entitled to.


Process of filing an Insurance Claim

There are rules and procedures that are a part of your homeowners policy when filing for a claim.

Reporting Crimes to the Police

If you are a victim of theft or vandalism in your home, make sure to report it to the police immediately. Make sure to report all your losses or damages from the crime to the authorities. Get a police report and the name of law enforcing officers that you speak with to provide details of the event to your insurance company agents. Providing supporting evidence is an important part of your insurance claim process.

Contact your Insurance Company Immediately

After dealing with an unfortunate event where there is damages or loss make sure to contact your insurance company immediately. Figuring out if your insurance policy covers the damages and what the time frame to file a claim will be key in being successful at filing a claim. Here are a few questions to ask your insurance company once you contact them.

  • Am I covered for the damages or loss endured?
  • How long do I have to file a claim?
  • Will my claim exceed my deductible?
  • How long will it take to process my claim?
  • Will I need to obtain estimates for repairs or damages?

Request Insurance Claim Forms to Fill Out

If and when you establish that you will be making a claim for damages that take place, your insurance company will send you the necessary claim forms to file. Keep in mind that your insurance company are obligated by law to send you the forms to file a claim within a specified time.  Make sure to return the forms properly filled out as soon as possible in order to avoid any delays.

Schedule an Insurance Adjuster to Inspect the Damages

Your insurance company will most likely arrange for an adjuster to inspect your home. The adjuster is a insurance company representative who inspect the damage to the property and makes the determination how much the insurance company should pay for the loss. They will usually interview you and inspect the property to access all the damages claimed.

Be Prepared for an Inspection

Staying prepared for an adjusters visit is important and will assure that you do not overlook or miss out on any damages or loss. Having a list of damages for your adjuster would be a great idea and can save you time when the insurance companies adjuster visits your home. Having an inventory of things in your home can assist you in this process and claiming damages.

Documentation and Proof

It’s in your best interest to document damages that have taken place with photographs or video recordings. Keep damaged items if possible to show the adjusters when they come visit your home. Make sure to take appropriate steps to protect your property from incurring further damage.

Repairs, Relocation and Receipts

Keep receipts and records of all the expenses that may take place while repairing damages to your home. If the damages or repairs to your home make it so you have to relocate for a set amount of time, make sure your homeowners policy provide you such coverage and provide proof of the costs that take place. Most home insurance policies provide such a coverage.

Ask Questions!

If you have any questions about your policy, actually filing a claim, or filing laws, don’t be afraid to ask questions.  You can call your insurance company professionals or your state department of insurance. Insurance Claims Experts is here to assist you in this process and any questions you may have that wasn’t settled by your insurance professionals.

Send Us A Message


Looking to file a claim, have questions, know that we are here to help you. Contact us by filling out the form below or give us a call at (786) 378-7105

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