Step by Step Guide: How to file a property insurance claim

Filing a Property Insurance Claim

When it comes to filing a claim for property damage or loss, it’s important to be prepared and to understand the process. As a homeowner, you want to make sure that you receive fair compensation for any damages or losses, and that means working closely with your insurance company and any contractors involved in the repair or restoration process.

One important thing to keep in mind is the importance of keeping your contractor in the loop when you file a claim. This is especially important when it comes to damage to your roof. It’s best to let your contractor know when the adjuster inspection is scheduled so that they can be present during the inspection. This is because insurance companies are for-profit businesses, and their primary interest is to save money by denying damages whenever possible. Having a contractor present during the inspection can help ensure that the evaluation is fair and accurate.

So, as you prepare to file a claim, remember to stay informed and to communicate with your contractor and insurance company throughout the process. With the right approach, you can make sure that you receive the compensation you deserve and that your property is restored to its pre-damage condition.

Follow these steps to file a property claim:

  1. Find your insurance company’s claims hotline number: You can refer to the list of phone numbers listed below to find your insurance company’s claims hotline number. If your insurance company is not listed or the number is not working, you can check your insurance policy or the company’s website for this information.
  2. Gather all relevant information: Before calling, make sure you have all the relevant information you will need to file a claim. This might include the date and time of the incident, the location of the property, a description of the damage or loss, and any supporting documentation or evidence. Consult with your contractor for any missing information such as storm date (date of loss) or supporting evidence of damages from their inspection report.
  3. Dial the claims hotline number: Once you have the claims hotline number, dial it and follow the prompts to be connected to the claims department.
  4. Provide your policy number (optional): When you reach a representative, provide your policy number and any other identifying information they may ask for. If you don’t have your insurance policy readily available, that’s fine, ask if they can look you up by your address.
  5. Describe the incident: Explain what happened and provide as much detail as possible about the damage or loss. Be honest and accurate in your description, as any false information could affect the outcome of your claim. Consult with your contractor on what to say.
  6. Answer any questions: The representative may ask you some follow-up questions to clarify the situation and gather more information. Answer these questions as accurately and completely as possible.
  7. Receive instructions on next steps: Depending on the severity of the damage or loss, the representative may give you instructions on what to do next. This typically includes waiting to hear from the assigned adjusted within 24-48 hours. The adjuster will contact you to schedule a date and time to come out and inspect the property. After receiving the date and time from the adjuster, it’s crucial to let your contractor know in advance so they can make sure to schedule it on their calendar as well.
  8. Receive confirmation of your claim: The representative will confirm that they have received your claim and provide you with a claim number or reference number. Be sure to keep this number handy, as you may need it when following up on your claim.

During the call, you can expect the representative to be professional, courteous, and sympathetic to your situation. It’s important to remember that the claims process may take time, and there may be additional steps or requirements that you will need to complete in order to receive compensation for your loss or damage. Be patient, and stay in communication with your insurance company and contractor throughout the process.

Insurance Claims Hotline Phone Numbers

  1. State Farm – 1-800-732-5246
  2. Allstate – 1-800-255-7828
  3. Nationwide – 1-800-421-3535
  4. Travelers – 1-800-252-4633
  5. Farmers Insurance – 1-800-435-7764
  6. Liberty Mutual – 1-844-825-2467
  7. USAA – 1-800-531-8722
  8. Chubb – 1-800-252-4670
  9. American Family Insurance – 1-800-692-6326
  10. Erie Insurance – 1-800-367-3743
  11. MetLife – 1-800-854-6011
  12. The Hartford – 1-800-243-5860
  13. Progressive – 1-800-776-4737
  14. AIG – 1-888-760-9195
  15. GEICO – 1-800-207-7847

Alternative Claim Filing Method (online or mobile app)

It’s worth noting that most major insurance providers offer online claim filing or mobile app claim filing as an alternative to filing a claim over the phone. This can be a convenient and efficient option for homeowners who want to file a claim quickly and easily, without having to wait on hold or speak to a representative. Online claim filing or mobile app claim filing allows you to upload photos and documentation directly from your computer or mobile device, and you can track the status of your claim in real-time. However, it’s important to note that not all claims can be filed online or through a mobile app, so be sure to check with your insurance company to see what options are available to you.


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