Property Damage Insurance
Steps to Filing a Property Damage Claim
- File a police report if there was any illegal activity involved. Don’t use 911 unless there’s a crime actively in progress; instead, contact the police through their non-emergency line.
- Take pictures of the damage.
- Collect contact information from any witnesses, if applicable.
- Contact your insurance company to file a claim.
- Make small, temporary repairs to make sure that the damage doesn’t get any worse.
- Meet with your home insurance adjuster and walk them through the property.
- Review the settlement offer your insurance adjuster provides you with. If the offer doesn’t cover the repairs fully, then you can ask your adjuster to review the claim again.
- Officially receive money from your claim and schedule the repairs.
Need to File a Claim?
If your home has sustained damage, then either contact us during normal business hours or reach out to your insurance company directly.
Tips for Filing
- Keep track of any receipts for repairs you need to make before your insurance adjuster arrives.
- Make a thorough list of all of your belongings—such as furniture, artwork, and other valuables—and detail what damage they’ve sustained, their appraised value, and when you obtained them.
- Take video footage of the property so that you can have additional documentation.
- Get quotes for repairs before your adjuster visits; this way, you can know if the settlement estimate they provide will cover repairs.
- Talk with your insurance adjuster about how long it might take to settle your claim.
- Get a second opinion if you believe you’re being treated unfairly by your insurance company.
