Home damage can happen when you least expect it. Whether it’s caused by a storm, fire, burst pipe, or another covered event, knowing what to expect can help make the claims process less stressful.
Here’s what you should know.
Make Safety Your First Priority
If your home has suffered significant damage, make sure everyone is safe before worrying about the claim.
If necessary, contact emergency services and avoid entering areas that may be unsafe.
Document the Damage
Take photos and videos of the damage before cleanup begins whenever it is safe to do so.
Documentation helps your insurance company understand what happened and can make the claims process much smoother.
Prevent Additional Damage
After documenting the damage, take reasonable steps to prevent it from getting worse.
Examples might include:
- Covering a damaged roof with a tarp
- Shutting off water after a pipe burst
- Boarding up broken windows
Keep receipts for any emergency repairs, as they may be reimbursable depending on your policy.
Report the Claim
Contact your insurance company—or your independent agent—as soon as possible to report the loss.
Be prepared to explain:
- What happened
- When it happened
- What areas were damaged
- Whether emergency repairs have been made
The Claims Process
Once your claim has been reported, an adjuster may inspect the damage and review your policy coverage.
Depending on the claim, they may:
- Inspect your home
- Review repair estimates
- Determine covered damages
- Explain the next steps
Every claim is unique, so timelines can vary.
We’re Here to Help
A home insurance claim can feel overwhelming, but you don’t have to navigate it alone.
If you have questions about your claim or your coverage, give us a call at (270) 842-3322. We’re happy to help you through the process.
