How to File a Home or Renters Insurance Claim

When your home is damaged or your personal property is stolen, it’s natural to feel stressed and overwhelmed. However, it’s important to act quickly on starting the insurance claims process.

Home and renters insurance can help replace your possessions after a loss, but only if you file a timely and complete claim. It is a good idea to understand how this process works before you have to go through it.

When to file a claim
If your loss is significant, it’s wise to file a claim and let your insurance company help you handle high costs or complicated repairs. Be aware, though, that home and renters insurance claims become permanent record.

How to file a claim
If you need to file a claim, work with your insurance agent or company and follow these seven steps to get it done quickly.

1. If necessary, call the police or fire department.
In the event of fire, theft, vandalism or traumatic accident, this is a critical first step. If police officers or firefighters are dispatched to your home or apartment, give them all the details of the event. Keep copies of police or fire reports; you’ll need them to file your insurance claim.

2. Call your insurance company.
Immediately following any police or fire report, contact your insurance agent or claims hotline. In most cases, your insurance policy requires you to contact your insurance company within a certain timeframe after the loss. Have your insurance policy number handy and be prepared to repeat any details given to police or fire personnel.

3. Work with your agent to complete a claims form.
The claims form helps you record all the details related to the incident. Be very thorough in documenting damages, including what, when and how. Completing a claims form usually is sufficient for smaller claims. If the claim is substantial, your agent will likely send an insurance adjuster to inspect the damage.

4. Document all damages.
In order to be compensated, you must show what was lost. Take pictures or video of the damage before any clean-up starts, and include them with your claims form. Ideally, you documented your home and belongings before the loss so you can show before and after pictures.

5. Make temporary repairs so your home is safe and livable.
If necessary, make temporary repairs while waiting for your claim to be processed. Temporary repairs are covered, so long as you save your receipts; check your specific policy for guidelines. Don’t start permanent, major repairs or renovations until your claim is complete and compensation is confirmed.

6. Save receipts if you have to temporarily move out.
If damage is so extensive that you need to temporarily relocate, your insurance will most likely help cover costs related to relocation, including hotel, grocery and restaurant expenses. Talk to your insurance agent about submitting these receipts for reimbursement.

7. Cooperate with your insurance company.
After you file a claim, make yourself available to talk with your insurance agent and claims adjuster. The faster you answer questions and provide necessary information, the faster your claim and payment are processed.

Dealing with loss or damage to your home can be stressful, but being prepared for the claims process can help get your life back on track faster. If you currently don’t have adequate coverage or the level of service you would like from your insurer, consider getting homeowners insurance from Nationwide Insurance. If you rent an apartment, townhome, house, dorm room or even storage unit, you can also get a renters insurance quote from Nationwide.