How To File A Claim Against Homeowners Insurance?

  1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Almost every insurance company provides a toll free telephone number.  Use that number to report a claim. If the claim involves personal injury don’t wait a minute.  The key is to report those claims as soon as you know about them.    You will have time to get all the particulars.  If the claim involves a relatively small amount of property damage check with your policy to make sure you understand your deductible.  It is also wise to check and see if you are getting a discount for having been “claims free.”  These are factors to discuss before submitting the claim.
     
    Answered on March 10, 2014
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  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    As was stated by my colleague, most if not all Homeowners Insurance Companies have dedicated telephone numbers or on-line reporting services specifically set up to help you to file a claim. HOwever, I personally think that it is a good idea to start by talking to your Insurance Professional about your situation. They will be able to help answer preliminary questions you may have as well as to discuss the specific terms and conditions of your policy. The claims professional will ultimately apply those elements of your policy and make the determination of coverage under them. Naturally, any settlement will be subject to your policy deductible.
    Answered on November 2, 2015
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