How Do I File a Homeowners' Insurance Claim?

While you hopefully won't have to, if you need to file a claim on your homeowners' insurance policy, it is not as hard as you may think.

Be sure to discuss with your insurance agent when you get homeowners' insurance the process for filing a claim if the need arises.

You should track all your expenses related to a loss and be prepared to be able to document them. It is important to be as specific as possible, noting all phone calls related to the loss, how much you paid for the item, and what you were told by your insurance company should a loss happen.

Information for Reporting a Loss

When you go to report a loss regarding your homeowners' insurance it is important to get the following information: Date, agent's name, insurance company name, e-mail, phone numbers (home and business), and policy number.

You should remember to document each conversation you have regarding your loss and write down, the date and time of the call, items discussed, next step in the process, and what documents are needed to support the claim. Also check to see if any information is required from the police or fire departments to support your claims.

Keep in mind that the insurer may ask you for a proof-of-loss form, along with documents tied to your claim. These documents can include things like medical and home-repair bills, receipts and bids. Finally, note that insurers may seek photos that demonstrate what was in your residence prior to the damage.

Many agents will advise you to take photos ahead of time in the event you have a loss. This way you have proof of what was damaged or lost. It is important to keep these photos in safe place outside of the residence such as in a bank safe or with another person.

Another item to keep in mind is that you could be reimbursed under your homeowners' insurance policy or you could be able to claim them on your income tax return.

When obtaining homeowners' insurance, ask your insurance agent which expenses may be deducted from your entire claim amount such as items like transportation, living expenses and temporary housing.

Any loss can be devastating, both financially and emotionally.

Having the proper amount of homeowners' insurance can make the loss a little easier to sustain and get you back on your feet.