Experiencing damage to your home can be stressful and overwhelming. Whether you’re dealing with storm damage, water issues, theft, or another unexpected event, knowing what steps to take after a loss can help make the claims process smoother.
At Midwest Certified Insurance Agency, we’re here to help guide you through the process. Use this homeowner claim checklist as a helpful resource when you need to file a claim.
1. Safety Comes First
Before anything else, make sure you and your family are safe.
If there are injuries, a fire, or a situation involving a crime, contact emergency services or the appropriate authorities right away. If you are injured, avoid moving and wait for help to arrive.
Your safety is always the top priority.
2. Review Your Homeowners Insurance Policy
Before filing a claim, take a moment to review your policy. Understanding your coverage can help you know what may be covered, your coverage limits, deductibles, and any exclusions that may apply.
If you have questions about your policy or coverage, reach out to your Midwest Certified Insurance Agency representative. We’re here to help you better understand your protection.
3. Document the Damage
Before making repairs or removing damaged items, document everything you can.
Be sure to:
- Write down the date and time of the loss
- Have your insurance policy information available
- Take detailed photos and videos of the damage
- Create or update a home inventory list, including items, values, and serial numbers when available
- Keep damaged items until they have been reviewed by an adjuster (unless they create a safety concern)
The more information you can provide, the easier it may be to evaluate your claim.
4. File Your Claim
Once you’ve documented the damage, contact your insurance company or your Midwest Certified Insurance Agency representative to begin the claims process.
Keep track of:
- The date and time you reported the claim
- The name and contact information of the person assisting you
- Your claim number
- Any important details discussed during the call
Having this information organized will make it easier to follow up throughout the process.
5. Prevent Further Damage
After a loss, take reasonable steps to prevent additional damage to your home.
Depending on the situation, this may include:
- Temporarily covering a damaged roof with a tarp
- Turning off water after a leak or burst pipe
- Covering broken windows
- Removing standing water
- Beginning the drying process for furniture, flooring, and personal belongings
Avoid making permanent repairs until your claim has been reviewed and you have guidance from your insurance company.
6. Work With Your Adjuster
Your adjuster will help evaluate the damage and move the claims process forward. Be sure to cooperate and provide any requested information or documentation.
Keep in mind:
- Your property will need to be inspected, either in person or digitally
- The timeline of a claim can vary depending on the severity of the damage, accessibility of the property, and the number of claims being handled
- Additional documentation may be requested
- If you notice more damage after the initial report, notify your adjuster
Staying organized and responsive can help keep the process moving.
7. Keep Records of All Communication
Throughout the claims process, keep a record of all conversations and updates.
Save emails, letters, and documents, and consider keeping a log of:
- Phone calls
- Dates and times of conversations
- Names of representatives you speak with
- Important updates or decisions
Having clear records can help you stay informed every step of the way.
Midwest Certified Insurance Agency Is Here to Help
Filing a homeowners claim can feel overwhelming, but you don’t have to navigate it alone. Our team is here to help answer questions, explain your coverage, and support you throughout the process.
If you have questions about your homeowners insurance or want to review your coverage before a loss happens, contact Midwest Certified Insurance Agency today.
