Read your policy to learn what procedures you must follow to file a claim on your homeowners
If a crime has been committed, report it directly to the police immediately. Request a copy of the police report and make your own written notes, including the name of the police officer and date of the incident.
Call your insurance company or agent immediately. Many policies have rules on how quickly you must call. When you call, be sure you determine whether you are covered, whether your claim would exceed the deductible, how long it will take to process the claim, and whether you must obtain estimates for repairs. File only claims of significant value.
The company will send you proper claim forms. Complete and return it as soon as possible to reduce the wait for your settlement.
If necessary, make temporary repairs to prevent further damage to your property. Be sure to save receipts for any temporary repairs you need to make, and submit those with your claim.
Itemize lost or damaged property by using your home inventory. Give a copy of your list to your insurance agent and keep a copy for yourself.
Keep all receipts if you are forced to move to other housing because of damage to your home. Most insurance policies cover loss of use and will reimburse you if you must stay somewhere else while repairs are being made to your home.
Once you notify your insurance company or agent of a claim, they will have an adjuster visit to assess damage to your home or property.
After you and your insurance company agree on a settlement, you should receive your payment quickly. You should know that state law mandates that insurance claims be handled promptly.
Source: militaryfinance.umuc.edu
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