How do I make a home insurance claim?

Answered by Home Insurance, Car Insurance Expert Savannah on January 15, 2021

I'm a first-time homeowner and I've never had to make an insurance claim before. How do I report a claim?

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Home Insurance, Car Insurance Expert

To make a home insurance claim, all you have to do is call your insurance company. Once you make the call, the insurer will send an adjuster out to the property to take a look at the damages and assess how much the repairs will cost.

If you have replacement cost coverage on your policy, then you typically don’t need to provide much, if any, documentation to the insurance company. However, if you do not have replacement cost coverage, you may be required to provide receipts for any belongings that might have been damaged as part of the claim.

Even though receipts are not always required, it is a good idea to keep a record of the more expensive belongings in your home for yourself.

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