If a covered loss does occur, the claims process is completed by:

• First filing your claim,
• and then settling your claim.

Filing your claim
Filing your claim is a seven step procedure:

1. Report burglaries, thefts, and other crimes to the police.
2. Telephone your insurance agent and formerly report the loss. You'll receive any additional information you need at this time.
3. Take any steps necessary to prevent further damage. For example, repair any windows broken during a burglary. Save your receipts so that you can submit them to the insurance company for reimbursement.
4. Take an accurate inventory of all lost property.
5. Save receipts for living expenses if you must make temporary living arrangements while damage is being repaired.
6. Obtain claims forms. Once received, complete and return them as soon as possible as this greatly helps in speeding things along.
7. Make sure that an adjuster inspects any & all damage.

Settling your claim
You and your insurance company must come to an agreement on the terms of settlement; that is, how much you will be compensated for your loss. Generally, the insurance company will make an offer. If it is acceptable to you, the insurance company must send the payment to you promptly. If you are unsatisfied with the offer, follow these simple steps:

1. Discuss the matter directly with your insurance company or agent. Explain why you think the offer is not fair. Send copies of all supporting bills, receipts, and other documents. 
2. Before resorting to any formal dispute resolution procedures, you may find it worthwhile to attempt more informal negotiations. In particular, you may save valuable time and money this way if the amount in dispute is relatively small. 
3. If, on the other hand, the amount in dispute is considerable, or you have unsuccessfully attempted to negotiate, you can follow the more formal procedures outlined in your policy. The appraisal and arbitration clauses in your homeowners policy govern disagreements over the compensation paid on a claim.

Learn More...

Overview | Understanding The Basics | Types Of Insurance | Coverage Amounts
Choosing A Policy | Filing A Claim | Other Types Of Insurance | Home Safety Tips
Planning Concerns | Home Glossary

Please Note: The information contained in this Web site is provided solely as a source of general  information and resource.  It is a not a statement of contract and coverage may not apply in all areas or circumstances.  For a complete description of coverages, always read the insurance policy, including all endorsements.