A home insurance claim details a covered loss that unexpectedly occurs in your home, such as a fire or break-in. The claim tells your insurance company what happened, what was damaged, and how much money they need to reimburse you to repair the damages.

You should be prepared to file a home insurance claim immediately after a loss occurs. Before filing a claim, it helps to know what your policy covers, how much coverage you have, and what your deductible is. 

Anytime you make a home insurance claim, it gets added to your CLUE report. A CLUE report is a document that lists every property insurance claim you’ve filed over the last 5-7 years. Home insurance companies use your CLUE report to review your claims history and calculate your rate. 

How to File a Home Insurance Claim

  • Notify your insurance company: After a loss occurs, notify your insurance provider as soon as possible. Ask them if the loss is covered, what your policy’s limits are, and what your deductible is. Keep in mind that if your deductible costs more than the loss, it’s likely not worth filing a claim.
  • Submit claim documents: Next, you’ll be required to fill out and submit documents detailing the claim. These documents will be sent to you by the insurance company. Fill out the forms soon after you get them when the event is still fresh in your mind.
  • Survey damaged items: When it’s safe, walk around your home and survey the damages inside and outside. Make a list of areas of the home that were damaged, like the siding, roof or yard. Also make a list of the personal items inside your home that sustained damage.
  • Meet with an insurance adjuster: Depending on the extent of the damages, you may be required to meet with an insurance adjuster. An insurance adjuster will visit your home and assess the damages in-person. Show them which parts of the home were damaged and offer them a copy of your list of damaged items.
  • Make small repairs yourself: After your visit with the insurance adjuster, make small repairs yourself that could potentially cause further damage. For example, remove debris from the yard, patch broken windows, etc. Keep your receipts so you can get reimbursed from your insurance company. 
  • If you have to stay in a hotel, track your expenses: If you have to temporarily relocate and stay in a hotel, save your receipts. This also goes for food and restaurant expenses. Your home insurance policy’s additional living expenses coverage will reimburse you for those costs.

Does Homeowners Insurance Go Up After a Claim?

After filing a claim, you can expect your homeowners insurance premium to increase. It doesn’t matter how minor the claim was, or how much money you received from the insurance company.

However, your insurance rate won’t increase immediately after a claim. It’s only during your policy’s renewal period that your insurance company will review your claims history and make rate adjustments. 

If you’re concerned about your rate going up after a claim, talk to your insurance company about ways to lower your premium, like raising your deductible or taking advantage of discounts.

Homeowners Insurance Coverage

  • Dwelling insurance covers your home’s structure, including attached buildings (garage) and built-in appliances (water heater)
  • Personal property insurance covers belongings like clothing, furniture, and electronics
  • Liability insurance covers personal injuries incurred on your property, like falls or dog bites
  • Additional living expenses (ALE) insurance covers the costs of temporary housing if you’re forced to leave your home due to a covered claim

How to File a Claim with Renter’s Insurance?

Renters insurance doesn’t cover all the same things as homeowners insurance, but it hits three big ones: personal property, legal costs arising from lawsuits against you, and medical payments to anyone injured on your property who doesn’t live there.

If anything occurs on your rented property that has you thinking of making an insurance claim, you should contact your landlord first. The property management is on the hook for structural repairs in most jurisdictions. If they can resolve the problem without needing to make a claim, all the better. Like home insurance claims, renters insurance claims are recorded in the CLUE database.

After consulting your landlord to find out what remaining losses will roll over to your renter’s insurance coverage, get on the phone with your agent. But remember that the rules still apply: Be sure that your claim is worth more than the expense of jacked-up premium and a lingering claims history.

What’s Next

About the Authors

Elizabeth Rivelli

Elizabeth Rivelli Contributing Writer

Elizabeth Rivelli is a Rhode Island-based copywriter and content marketing consultant. She has expertise writing about home, auto and business insurance, and has been published in widely-read publications, including the Simple Dollar, Bankrate and Decision Data. Elizabeth holds a BA in Communications from Northeastern University in Boston.