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Your Quick and Dirty Guide to the Homeowner’s Insurance Claim Process

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The average home insurance premium in America is $1,192. When you pay good money for your insurance, you want to make sure that you get the money you deserve when you have a problem with your home.

The insurance claim process doesn’t have to be difficult, and we are going to make it as simple for you as possible. Continue reading this article to learn more about what to expect when going through the process.

What Does Homeowner’s Insurance Cover?

Before filing your claim, you need to know which type of homeowner’s insurance you have. Different types of homeowner’s insurance cover different things.

There are four types of coverage:

  • Personal Property Insurance
  • Dwelling Insurance
  • Liability Insurance
  • Additional Living Expenses Insurance

Here’s a little bit more to help you understand the types of insurance.

With personal property insurance, if you have personal property insurance, you’ll be able to get compensation for clothing, electronics, kitchen, appliances, and similar items.

With dwelling insurance, it covers your home’s structure, as well as built-in appliances.

Liability insurance pays out if someone is hurt on your property.

Additional living expenses insurance covers any expenses you have for temporary housing if you’re forced out of your home until it gets repaired.

Keep in mind that you can have all of these types of insurance combined, which will give you the best coverage and allow you to claim the most damages.

Prepare Your Claim

When you file your claim, people like this public adjuster will look over and verify your claim information. You need to make sure that you are accurate with everything you put on your claim information, or you can get in trouble.

Photograph all damage before doing any cleanup. These photos will be your proof, so it is better to take more pictures than you need vs. not taking enough. Take time to shoot photos from different angles to give people a better point of view.

Filing A Claim

Now that you know what insurance coverage you have, and how to prepare your claim and document the damages, you can file your claim.

Most insurance companies have websites where you can file online easily. If you are worried you are going to miss something, you can call your insurance agent and get them to walk you through the process.

Your agent can also give you information about repair services in the area, so you can get your home back in order, so many people opt to deal with a live person.

The sooner you file your claim, the more likely you’ll get a speedy decision, so file it right away for the best results.

Keeping The Homeowners Insurance Claim Process Simple

Now you know how to keep the homeowner’s insurance claim process simple. Follow the information above, and your claim will be made in no time.

Do you feel like you need more help with your home, and other topics? Our site is full of articles that can help you as homeowners.

Browse our site, find your favorite homeowner articles, drop a bookmark, and come back soon.


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