How to file a home insurance claim
Document the damage, prevent further loss, and work the claim to a fair payout.
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1
Make the home safe
Stop ongoing damage where you safely can — shut off water, cover broken windows. Keep receipts for emergency repairs.
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2
Document everything
Photograph and video all damage before you clean up or throw anything away.
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3
Review your policy
Check your coverage, deductible, and whether you have replacement cost or actual cash value.
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4
File promptly
Notify your insurer and provide your documentation. Get the claim number and adjuster contact.
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5
Keep an inventory
List damaged items with approximate age and value to support your claim.
Educational content only — not legal, financial, or insurance advice. Requirements vary by state.