Everything you need to know about the home insurance claims process

Home insurance claims can be a bit daunting if you’ve never navigated the process before. Here’s a comprehensive overview:

1. Understand Your Policy:

Before you can file a claim, it’s essential to understand what your policy covers. Most standard homeowners insurance policies provide coverage for:

  • Dwelling (your home’s structure)
  • Other structures (sheds, fences, etc.)
  • Personal property (furniture, electronics, etc.)
  • Loss of use (additional living expenses if you can’t live in your home)
  • Personal liability
  • Medical payments

2. Immediately Document the Damage:

If your property is damaged or burglarized:

  • Take photos or video of the damage.
  • Create a list of damaged or stolen items, including their value.

3. Notify Authorities if Necessary:

For theft, vandalism, or instances where a law may have been broken, inform the police. Obtain a copy of the police report, as this can support your claim.

4. Contact Your Insurance Company:

  • Initiate the claim as soon as possible after the incident.
  • Provide basic details about what happened, and your insurer will guide you on the next steps.

5. Fill Out Claim Forms Promptly:

Your insurer will send you claim forms to be filled out. Complete them accurately and return them as soon as possible.

6. Get Estimates for Repairs:

  • Your insurance company might recommend contractors, but you can also get your own estimates.
  • Ensure the estimates detail the scope of the work and material specifics.

7. Insurance Adjuster’s Visit:

  • The company may send an adjuster to inspect the damage. They will assess the situation and determine how much the insurance company should pay for the loss.
  • Be present during this inspection. If you have a contractor you trust, it might be helpful to have them there as well.

8. Determine Settlement Amount:

Once the adjuster submits their report, the insurance company will propose a settlement amount. This is how much they’re willing to pay for repairs or replacement.

9. Disbursement of Funds:

There are different ways funds can be disbursed:

  • Actual Cash Value (ACV): This pays out the value of the property or damage after accounting for depreciation.
  • Replacement Cost: This pays out the amount it would take to replace or rebuild the property without deducting for depreciation.

10. Repair or Replacement:

  • Once you’ve received the funds, you can begin repairs or replacements.
  • Always vet contractors and ensure they’re licensed, insured, and reputable.

11. Dispute Resolution (if needed):

If you disagree with the insurance company’s assessment or settlement offer:

  • Talk to your adjuster first.
  • If unresolved, consider a public adjuster who can advocate on your behalf (though they will charge a fee).
  • As a last resort, legal action can be considered.

12. Closing the Claim:

Once repairs are complete and payments are made, the insurance company will close the claim.



  • Always keep an updated inventory of your belongings, including photos, receipts, and other proofs of ownership.
  • Regularly review your policy to ensure you have adequate coverage.
  • Keep good communication with your insurance representative. Promptly answer any questions and provide necessary documentation.

Remember, the process may vary slightly based on your insurance company and specific policy provisions.

Contact Us

Freedom Insurance Group
3861 Long Prairie Rd Ste 110
Flower Mound, TX 75028
Phone: (972) 798-3769


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