Homeowners & Renters
The Home Insurance Claims Process
Filing a home claim is something most homeowners do only a few times in their life. Knowing the road map ahead removes a lot of the stress.
Step 1 — Report the loss
Your claim is opened with the carrier and assigned a claim number. Keep that number handy for every conversation that follows.
Step 2 — Adjuster review
An adjuster inspects the damage, reviews your documentation, and applies your policy language to determine what is covered.
Step 3 — Settlement and repairs
Once coverage is confirmed, the carrier issues payment (often in stages) so repairs can begin. Your deductible applies, and large losses may involve a mortgage company endorsing the check.
Have questions about this coverage?
Chaz Toomey is here to walk you through your options — no pressure, just clear guidance.