Guide To Home Insurance Claims

How to File a Home Insurance Claim

Filing a home insurance claim is a crucial step in recovering from unexpected events. We’ve outlined a simple process to guide you through the necessary steps:

Document the Damage

Capture the full extent of the damage with clear photos or videos. Prepare a detailed list of items affected, including their approximate value.

Mitigate Further Damage

Take immediate action to prevent additional harm to your property. For example, if you’re dealing with water damage, utilize a water vacuum to eliminate excess water.

Talk to Your Account Manager or Service Center

Reach out to your dedicated Account Manager or our Service Center promptly. They’ll provide personalized assistance, walking you through the claims process and offering advice on the best course of action.

Please be aware that during periods of severe weather, there is a higher volume of calls being made to our office. If you contact our office, please allow up to 24 business hours for a response. In the event you reach voicemail, kindly leave your name, contact information, and a brief description of your inquiry. Our office representatives will promptly return your call in the order it was received.

For a list of our service centers, please click here. 

Inspection and Appraisal

If you choose to file a claim, an experienced inspector will assess the damage. This appraisal is crucial for determining the coverage and compensation you may be eligible for.

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Is It Worth Filing a Claim?

Filing a claim is a decision that requires careful consideration of various factors:

While filing is an option, approval is not guaranteed; insurers may deny claims based on specific conditions. It’s essential to be aware that filing a claim can impact your future insurance premiums. Consider your deductible – if the damage is close to or less than the deductible, filing may not be the most cost-effective option.



Navigating Roof Claims

If you’re contemplating a filing a claim for a damaged roof, here are key considerations:

Roof Condition

Insurance typically covers unforeseen events, not pre-existing conditions or normal wear and tear. Aging roofs may become more susceptible to damage, and insurers may scrutinize claims related to the roof’s age.

Claim Approval

Insurance companies often investigate claims, especially for roof damage. If the roof’s condition contributed to the damage, the claim could be denied or limited, leaving you with potential repair costs.

Premiums and Policy

Filing a claim, particularly if denied, can impact your insurance premiums. In some cases, denied claims may lead to policy cancellation or non-renewal, making obtaining insurance elsewhere more challenging and costly.


Remember to factor in your deductible before deciding to file a claim. Evaluate the repair costs against your deductible – if it’s close, it might be worth exploring alternative financing options.

While filing a claim is an option, we recommend exploring alternative solutions first, such as using savings or considering financing for repairs. This proactive approach helps you avoid potential downsides to your insurance coverage and premiums.



Home Insurance Claims and Wear & Tear

Home insurance is designed to address unexpected occurrences and accidents, not wear and tear. It’s crucial to understand:

Wear and tear, including aging roofs and appliances, is not covered by home insurance. Clients bear the responsibility of maintaining their property to prevent gradual wear and tear.



Home Insurance Water/Flooding Claims

Understanding the limitations of water and flood coverage is vital:

Home insurance provides limited coverage for water and flood incidents. Consider preventative measures such as installing French drains, weatherproofing your home, and adding a sump pump to your basement. Explore the option of a separate flood insurance policy for comprehensive protection.

Remember, home insurance is your safety net for unexpected events. Take the time to explore preventive measures and alternative options before deciding to file a claim. We’re here to provide guidance and support throughout the process.

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