How to File a Home Insurance Claim

With more than a decade of experience under her belt, Laura Inglis heads up the C&S Insurance Claims Department.

As homeowners, we invest not only financially but emotionally in our homes. Yet, despite our best efforts to protect them, unforeseen events can still occur. Whether it’s a burst pipe, a fire, or storm damage, these incidents can disrupt our lives and leave us picking up the pieces (literally). That’s where home insurance comes into play.

Filing a home insurance claim can feel overwhelming, especially while dealing with the aftermath of an incident. However, understanding the process can help alleviate some of that stress and ensure you receive the support you need to recover. Here’s a step-by-step guide to navigating the process of filing a home insurance claim:

Prevent Further Damage: Once the situation is stable, assess the extent of the damage and take steps to mitigate any further risks. This may involve turning off utilities such as gas, electricity, or water if they pose a threat. If the damage is localized, such as a broken window or a leaking pipe, attempt to contain the area to prevent further spreading.
Document the Damage: Before contacting your insurance company, assess the damage to your home. Take photos and document everything thoroughly. When possible, keep damaged items for the adjuster to view. This will help you provide accurate information to your insurer and serve as evidence during the claims process. The more detailed and accurate your information, the smoother the claims process will be.
Notify Your Insurance Company: Once you’ve assessed the damage, contact your insurance company to initiate the claims process immediately. If you need urgent help with a claim, you can contact our 24/7 call service at 508-594-3961, so don’t hesitate to reach out as soon as possible.
Schedule an Inspection: Depending on the nature and extent of the damage, your insurer may send an adjuster to assess the situation in person. Be sure to schedule this inspection promptly and be present to answer any questions the adjuster may have.
Make Repairs: While you wait for the insurance company to process your claim, obtain repair estimates from reputable contractors. These estimates will help you understand the scope of the repairs needed and ensure you receive fair compensation from your insurer.
Follow Up: Throughout the claims process, stay in regular communication with your insurance company. Follow up on any outstanding documentation or information they may require and keep records of all correspondence related to your claim.
Proceed with Repairs: Once you have your settlement in hand, you can proceed with the necessary repairs to your home. Be sure to work with reputable contractors and keep records of all expenses incurred during the repair process.

Filing a home insurance claim can be a daunting task, but with the right knowledge and preparation, you can navigate the process smoothly and ensure a fair resolution to your claim. Remember, your insurance company is there to help you in your time of need, so don’t hesitate to reach out for assistance. With patience and persistence, you can restore your home and peace of mind after an unexpected setback.