How To File A Homeowners Insurance Claim?

  1. 2210 POINTS
    Brenda Hanson
    Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
    There are 2 ways to file a claim you can contact the carrier claim number that is listed on your policy  or you can contact your agent that wrote your policy. I  Always instruct our clients to  contact us 1st that way we can document your file and make sure that your claim has been process right away and filed correctly. having to file a claim is stressful enough a good agent should be able to guide you through the process
    Answered on June 21, 2013
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  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    If you are sued call your agent or company immediately.  If you suffer damage to your residence or personal property that just barely exceeds your deductible contact your agent before calling in a claim.  Filing a claim might affect future premiums and the net result might be more than you desire.  Once you are certain that filing a claim is in your best interest call the company’s 800 number and let them know what happened.
    Answered on August 28, 2014
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  3. 21750 POINTS
    Jim Winkler
    CEO/Owner, Winkler Financial Group, Houston, Texas
    That is a great question! When you have a problem that you need to get help from your homeowners policy on, contact your agent, and they will help you get the process started. Something that you may want to do first though, is assess the cost of the damage first. Let's sat a branch falls from a tree, and knocks the gutters off the corner of your home, and breaks a window. Get a quick estimate or two on the repairwork. If it ends up being less than your deductible, just pay it, and maybe think about not filing the claim. The insurance company would have made you pay anyway, and there's a pretty solid chance that your rate would increase as a result of the filed claim. If that were the case, you had a pretty expensive window repair, when you cost it out over the increased cost for the rest of the time you have the policy. I hope that helps, thanks for asking!
    Answered on August 29, 2014
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