The Insurance Claim Process

The Insurance Claim Process
Homeowners insurance provides safety and security for your property, costly gadgets and other items as well as covering injuries sustained by anyone on your property. Insurance companies offer different types of coverage and the premium varies depending on the state where you reside. Keep in mind that before you file a claim, you need to identify the type of claim you intend to make. The line of approach differs depending on whether it is theft alone or damage to property or both. With an injury, the claim will also differ. If there is loss due to natural disasters, the approach will again be different. Here’s how you can file a claim with your insurance provider.

Theft and/or Damage to Property
Inform the police immediately if you are making a claim of theft and/or damage to property. File a police complaint even if costly items are not stolen. Keep two copies of the complaint—one for the insurance company and the other for your reference.
Make a list of the stolen items and the damaged portion of the property. Give it to the police department.
Contact the insurance company about the theft and/or damage to property. Provide a copy of the police complaint and the list of stolen items and damaged property.
List the names of people you have spoken to in the police department and the insurance company.
Ask the insurance company if further formalities are necessary for the claim. If the damage and loss is large, the insurance company will send an adjuster for inspection. If the damage is minimal, the insurance agent may complete the formalities without an inspection.
Take photographs or a video of the damaged portion of the property. Make at least two copies of photographs and videos so that if you need to provide the photos or video to the investigating authorities you always have a copy for future reference.
Prevent consequential damage to your property by completing temporary repairs and keeping the receipts for reimbursement from the insurance company.


Ensure prompt treatment if there are injuries to a person(s). Injuries may be caused by sudden falling on your property or by incorrectly using tools.
Preserve hospital receipts and prescriptions for reimbursement from the insurance company.

Natural Disasters

Inform the insurance company and the local government where you reside immediately in case your property is affected during natural disasters, such as hurricane or earthquake. Seek their help in getting immediate relief.
Cooperate with the authorities and complete the necessary formalities as requested. Usually, during unforeseen or even anticipated natural disaster, the government might have devised a new policy or emergency policy. It is usually in your best interest to cooperate with the authorities so that the relief efforts can be provided swiftly.