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Guide · Home insurance

How to file a home insurance claim

The steps you take in the first days affect how smoothly a claim goes. Document everything and read your policy's requirements.

5 min read · Last reviewed 2026-10

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Select your state to see how this applies where you live.

First steps

  1. Make sure everyone is safe and, if needed, contact emergency services.
  2. Take reasonable steps to prevent further damage, such as covering a damaged roof. Policies commonly expect this, and you should keep the receipts.
  3. Photograph or video the damage before you move or repair anything, if it is safe.
  4. Contact your insurer or agent promptly to report the loss and get a claim number.

Documenting the loss

  • Make a list of damaged or destroyed belongings with descriptions, ages and approximate values.
  • Keep receipts for temporary repairs and any extra living costs. Loss of use coverage may reimburse some of them.
  • Save all emails, letters and claim numbers and note who you spoke with and when.

Working with the adjuster

  • Ask the adjuster to explain how your loss will be valued: replacement cost or actual cash value.
  • Get your own repair estimates if you want to compare.
  • Ask for the decision and any denial in writing, with the policy provisions it relies on.

If there is a dispute

Your state insurance department can answer questions and take complaints. The NAIC directory links to each state's department.

Questions

How soon should I report a loss?

As soon as you reasonably can. Your policy may set requirements for prompt notice.

Do I have to use the insurer's contractor?

Check your policy and ask your insurer. You can generally collect your own estimates to compare.

Sources

Informational only. Rules and policy terms change and differ by state and insurer. Confirm details with your policy, your insurer or your state insurance department.

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