How Does Homeowners Insurance Work When You File a Claim?
Most homeowners have never filed a claim and don't know what to expect. Here's the process from first call to final payment.
General information, not professional advice — see terms of use.
Step 1: Document the damage. Before touching anything, photograph and video everything. Make a list of damaged items. Make temporary repairs to prevent further damage — your policy requires this. Save all receipts.
Step 2: Call your insurance company. Most have 24/7 claims lines. Provide your policy number, date of loss, and description. You'll receive a claim number.
Step 3: Meet with an adjuster. Typically within a few days for serious losses. The adjuster estimates damage and repair costs. For large claims, consider hiring a public adjuster — they charge 10–15% of settlement but can significantly increase payouts.
Step 4: Receive your settlement. For property damage, you first receive actual cash value (ACV — depreciated). If you have replacement cost coverage, you receive the depreciation amount after repairs are completed.
Step 5: Complete repairs. Choose your own contractors — you're not required to use the insurer's preferred vendors. Get multiple quotes.
Step 6: Pay your deductible. You pay the deductible; the insurer pays the remainder.
Follow-up questions
Will filing a claim raise my homeowners insurance rates?
Usually yes — a single claim typically raises premiums 10–20%. Two or more claims in 3 years can lead to non-renewal. Before filing for minor damage, compare the payout to your deductible and potential premium increase over 3–5 years.
What is a deductible for homeowners insurance?
Your deductible is what you pay before insurance pays. Standard deductibles range from $500 to $5,000. Many policies have a separate higher deductible for wind and hail — often 1–5% of home's insured value. On a $300,000 home with a 2% wind/hail deductible, you'd pay the first $6,000 of any wind or hail claim.
How long does it take to settle a homeowners insurance claim?
Simple claims (broken window, minor theft) may be settled in days. Moderate damage claims typically take 2–4 weeks. Large losses involving structural damage or disputes may take months. Insurance companies are legally required to acknowledge claims promptly and settle within a reasonable time — which varies by state law.
More insurance answers
This page is general information, not professional advice, and it may not reflect the latest rules where you live. For your own situation, talk to a qualified adviser. Spotted an error? Email per@upperia.se and we will fix it.