How to File a Home Insurance Claim

Document the Damage: Take photos or videos of the damage, make an inventory of lost items, and note their approximate value.
Contact Your Insurer: Report the damage promptly, and follow their process for filing a claim.
Get an Estimate: Your insurer may send an adjuster to assess the damage. You can also get quotes from contractors if allowed.
Receive Payout: Once approved, you’ll receive a payout based on your policy’s terms. For large repairs, insurers may issue payments directly to contractors.