How to File a Homeowners Insurance Claim

Filing a claim correctly from the start gives you the best chance of a fair settlement. Follow these steps carefully.

Document Everything First

Before touching anything, photograph and video all damage. Capture wide shots and close-ups. Document every room, exterior, roof (safely), and any damaged belongings.

Make Emergency Repairs

You have a duty to prevent further damage. Tarp a damaged roof, board broken windows. Save every receipt -- your insurer must reimburse reasonable emergency repair costs.

Notify Your Insurer Promptly

Call your insurance company or file online as soon as possible. Many states have deadlines -- Florida requires reporting hurricane damage within 1 year (2023 law). Get a claim number immediately.

Meet the Adjuster -- Prepared

The adjuster works for the insurer. You can hire a public adjuster to represent your interests. Have your own contractor estimate ready. Do not accept verbal statements -- get everything in writing.

Review the Settlement Offer

Compare the settlement to your own contractor estimates. Check for depreciation deductions and verify they match your policy type. A low offer is not final -- you can negotiate.

Appeal or Litigate if Denied

If your claim is denied or severely underpaid, you have options: internal appeal, appraisal process, mediation, or filing suit. Property damage attorneys typically work on contingency -- no upfront cost.