What to Do After a Home or Auto Insurance Loss

The short answer

Safety is your main goal after a loss. Call emergency services first, then contact your insurance company to start a claim.

Should I call for help?

Call 911 if someone is hurt, there is a fire, or the area is not safe. Do not go into a damaged building until officials say it is okay. Stay away from downed wires, standing water near power, and unstable structures.

How do I stop more damage?

Your insurance policy usually requires you to protect your property from more damage. This might mean covering a hole in your roof or turning off a water valve. Only do this if it is safe. Save all your receipts for this work. Do not make permanent repairs until the insurance company says it is okay.

How do I document the scene?

Take pictures and videos of the damage from many angles. Write down the date, time, and location. Get the names and contact details of anyone involved. For car accidents, swap the information required by law, but do not talk about who is at fault. Make a list of broken items. Do not throw anything away until the insurance company tells you to do so.

How do I report the loss?

Look at your policy or insurance card to find the claim phone number. Call them as soon as you can. Ask for your claim number and the name of the adjuster. An adjuster is the person who investigates your claim. Ask them what you need to do next.

What about repairs and contractors?

Be careful when picking people to fix your property. Always check their credentials and ask for written estimates. Read all documents before you sign them. Do not pay a large amount of money before the work starts.

How do I track my claim?

Keep a file with all your photos, receipts, and emails. Write down the names of people you talk to and the dates of those calls. Ask questions about your deductible, which is the amount you pay before insurance kicks in. You should also ask about your limits and the total amount covered.

Who can answer my policy questions?

Your insurance carrier decides the outcome of your claim. Your local agency can help you find contact information for your carrier. They can answer general questions about your policy, but they cannot guarantee the result of your claim.

What to do next

1. Put safety first and call for emergency help if needed.
2. Review your insurance policy to find the claim contact information.
3. Take pictures and keep records of all expenses.