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Property Damage Claims

A step by Step Guide

How to File a Property Damage Claim

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Step One

File a police report if there was any illegal activity involved. Don’t use 911 unless there’s a crime actively in progress; instead, contact the police through their non-emergency line.

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Step Two

Take pictures of the damage.

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Step Three

Collect contact information from any witnesses, if applicable.

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Step Four

Contact your insurance company to file a claim.

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Step Five

Make small, temporary repairs to make sure that the damage doesn’t get any worse.

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Step Six

Meet with your home insurance adjuster and walk them through the property.

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Step Seven

Review the settlement offer your insurance adjuster provides you with. If the offer doesn’t cover the repairs fully, then you can ask your adjuster to review the claim again.

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Step Eight

Officially receive money from your claim and schedule the repairs.

Need to File a Claim?

If your home has sustained damage, then either contact us during normal business hours or reach out to your insurance company directly.

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Tips for Filing

  • Keep track of any receipts for repairs you need to make before your insurance adjuster arrives.
  • Make a thorough list of all of your belongings—such as furniture, artwork, and other valuables—and detail what damage they’ve sustained, their appraised value, and when you obtained them.
  • Take video footage of the property so that you can have additional documentation.
  • Get quotes for repairs before your adjuster visits; this way, you can know if the settlement estimate they provide will cover repairs.
  • Talk with your insurance adjuster about how long it might take to settle your claim.
  • Get a second opinion if you believe you’re being treated unfairly by your insurance company.