Your home is more than just a place to live—it’s likely one of your biggest investments. When disaster strikes—whether it’s a burst pipe, a fire, or storm damage—the aftermath can feel overwhelming. Knowing what to do immediately after the damage occurs can make all the difference in getting your insurance claim processed smoothly and getting your life back on track.
Here’s a step-by-step guide on what to do if your home is damaged and you need to file an insurance claim.
Step 1: Assess the Damage (Safely)
First and foremost, make sure you and your family are safe. Do not enter the home if it appears structurally unsafe due to fire, flooding, or other hazards.
Once it’s safe to do so, perform a quick visual inspection:
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Note any visible damage such as broken windows, collapsed ceilings, or water intrusion.
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Watch for immediate hazards like exposed electrical wiring or gas leaks.
Step 2: Document Everything
Before making any repairs or starting cleanup:
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Take clear photos and videos of all visible damage inside and outside the home.
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Record affected personal property, including furniture, appliances, electronics, and clothing.
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If possible, include serial numbers, purchase dates, and receipts.
This documentation is crucial for your insurance claim and will help ensure accurate reimbursement.
Step 3: Contact Your Insurance Company
Reach out to your homeowners insurance provider as soon as possible. Most insurers have 24/7 claims support.
Be ready to provide:
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Your policy number
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A brief description of the damage and how it occurred
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The date and time of the incident
Ask about the next steps in the claims process, including whether any temporary repairs are allowed and what your coverage limits and deductibles are.
Step 4: Take Steps to Prevent Further Damage
Most policies require you to take reasonable steps to prevent additional damage. These are known as “mitigation efforts.”
Examples include:
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Placing a tarp over a leaking roof
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Shutting off the main water supply
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Boarding up broken windows
Save receipts for any emergency purchases or services, as these costs may be reimbursed. However, avoid starting permanent repairs until the insurance adjuster has assessed the property or you’ve received written permission to proceed.
Step 5: Meet With the Insurance Adjuster
Your insurance company will assign an adjuster to evaluate the damage. This may be done in person or virtually.
During the inspection:
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Be present if possible to point out all damaged areas
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Provide your documentation, photos, and inventory list
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Take notes during the visit
The adjuster will submit a damage estimate to your insurance company based on what they observe.
Step 6: Review the Settlement Offer
Once the inspection is complete, you will receive a damage estimate and a settlement offer from your insurer.
Carefully review the offer to ensure:
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All damages are included
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The estimates match contractor quotes
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The deductible has been properly applied
If something seems off or insufficient, you can ask questions, negotiate, or even hire a public adjuster to advocate for you.
Step 7: Start Repairs and Rebuilding
Once you accept the settlement and receive funds, you can begin repairs.
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Hire licensed and insured contractors
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Maintain communication with your insurer
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Keep records of all work done and expenses incurred
In some cases, the insurer will pay contractors directly. In others, you’ll be reimbursed after you submit receipts.
Step 8: Claim Additional Living Expenses (If Applicable)
If the damage makes your home unlivable, your policy may include Loss of Use coverage. This can help cover the cost of temporary housing, meals, and other living expenses while your home is being repaired.
Keep detailed receipts and confirm with your insurer how to submit them for reimbursement.
Be Prepared and Stay Informed
Experiencing damage to your home is never easy, but understanding the claims process can help reduce stress and speed up recovery. Take time to review your homeowners insurance policy regularly and update your coverage as your needs change.
If you’re ever unsure about a claim, don’t hesitate to speak with your insurance agent or a qualified professional.