How to File a Home Insurance Claim That Gets Paid

Learn the step-by-step process to document damage, file your claim properly, and maximize your insurance payout.

  1. Document the damage immediately. Take photos and videos of all damage from multiple angles before cleaning up or making temporary repairs. Include wide shots showing the scope and close-ups of specific damage. Write down what happened, when it happened, and what you observed — insurance companies want a clear timeline of events.
  2. Review your policy before calling. Find your policy documents and check your deductible amount, coverage limits, and any specific requirements for your type of damage. Look for deadlines — most insurers require claims within 30-60 days of discovering damage. This prep helps you ask better questions when you call.
  3. File your claim through the right channel. Call your insurer's claims hotline or file online if available — most companies offer 24/7 reporting. Provide your policy number, describe what happened clearly, and mention you have documentation ready. Ask for a claim number and the name of your assigned adjuster.
  4. Create a detailed inventory of damaged items. List every damaged item with brand, model, age, and purchase price if possible. Include receipts, photos, or any proof of value you have. For expensive items, note serial numbers. This inventory becomes your official record — be thorough but honest.
  5. Work with the adjuster professionally. Schedule the inspection promptly and be present to walk through the damage together. Point out everything on your list and ask questions about coverage. Take notes during the visit and ask when you'll receive the written estimate. Follow up if you don't hear back within the promised timeframe.
  6. Review the settlement offer carefully. Compare the adjuster's estimate against your documentation and any contractor quotes you've received. If the offer seems low, provide additional evidence or get a second opinion from a licensed contractor. You can negotiate — insurance companies expect some back-and-forth on larger claims.