Home Insurance Claims Process Guide

Filing a home insurance claim can be stressful, especially after experiencing property damage. Understanding the process can help you navigate it more smoothly and ensure you receive fair compensation.

Step 1: Assess and Document the Damage

Before filing a claim, take these important steps:

1. Ensure Safety: Make sure your home is safe to enter

2. Document Everything: Take photos and videos of all damage

3. Prevent Further Damage: Make temporary repairs to prevent additional loss

4. Keep Receipts: Save all receipts for temporary repairs and expenses

Step 2: Contact Your Insurance Company

Notify your insurance company as soon as possible. Most policies require prompt notification of claims.

Information to Have Ready

• Policy number
• Date and time of the incident
• Description of what happened
• List of damaged items
• Photos and documentation

Step 3: File Your Claim

Your insurance company will assign a claims adjuster who will:

• Review your policy coverage
• Inspect the damage
• Estimate repair costs
• Determine if the damage is covered

Step 4: Work with the Adjuster

Be present during the adjuster's inspection and:

• Point out all damage, even minor issues
• Provide documentation and photos
• Ask questions about coverage
• Get a copy of the adjuster's report

Step 5: Get Repair Estimates

Obtain multiple estimates from licensed contractors. Compare these with the adjuster's estimate.

Step 6: Review Your Settlement

Carefully review the settlement offer:

• Does it cover all documented damage?
• Are repair costs reasonable?
• Is depreciation calculated correctly?
• Are all covered items included?

Common Claim Mistakes to Avoid

1. Waiting Too Long: File claims promptly

2. Incomplete Documentation: Document everything thoroughly

3. Accepting First Offer: Review and negotiate if needed

4. Not Understanding Coverage: Know what your policy covers

5. Throwing Away Damaged Items: Keep items until the claim is settled

How TGI Agency Can Help

As your insurance agent, we're here to support you through the claims process. We can:

• Help you understand your coverage
• Assist with claim documentation
• Communicate with the insurance company on your behalf
• Ensure you receive fair compensation

Contact us if you need help with a home insurance claim.