{"id":52955,"date":"2025-04-28T07:18:13","date_gmt":"2025-04-28T11:18:13","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=52955"},"modified":"2025-12-12T11:30:18","modified_gmt":"2025-12-12T16:30:18","slug":"how-do-home-insurance-claims-work","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/how-do-home-insurance-claims-work","title":{"rendered":"How do home insurance claims work?"},"content":{"rendered":"\n<a id=\"back-to-top\"><\/a>\n\n\n\n<p>Filing a <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\">home insurance<\/a> claim can be stressful. As a policyholder, you can reduce some of that stress by better understanding how home insurance claims work. Here\u2019s what you need to know to make your claims process go as smoothly as possible.<\/p>\n\n\n\n<div class=\"home-resources-orange-border3\"><strong>Table of contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#what\">What is a home insurance claim?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#step\">Step-by-step guide to home insurance claims<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#how\">How insurance companies pay out claims<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#home\">Home insurance claim tips<\/a><\/span><\/li><\/ul><\/div>\n\n\n\n<a id=\"what\"><\/a><h2 style=\"margin-bottom:0px; margin-top:20px;\">What is a home insurance claim?<\/h2>\n\n\n\n<p>A home insurance claim is a formal process where you notify your insurance company about an event that caused damage to your home or <a href=\"https:\/\/www.plymouthrock.com\/resources\/personal-property-coverage-homeowners-insurance\">personal property<\/a>. Basically, you are asking the insurance company to reimburse you for the cost to repair the damage.<\/p>\n\n\n\n<p>For your homeowners insurance company to consider your claim, the damage or loss must be caused by something that your policy covers. These causes are known as covered events or perils. For example, you might file a home insurance claim if your <a href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-roof-leaks\">roof<\/a> is damaged by a <a href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage\">fallen tree<\/a>, or if your laptop is stolen.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Covered perils<\/strong><\/h3>\n\n\n\n<p>Your homeowners insurance company will only pay to repair or replace the damage if it occurred because of a problem covered by the policy. These causes are sometimes known as named perils. Here are the perils that are typically covered by a standard <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-home-insurance-cover\">home insurance policy<\/a>:<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Examples of Covered Perils<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Explosion<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Falling objects<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Fire<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Hail<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Lightning<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Theft<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Vandalism<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Weight of ice, snow or sleet<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Wind<\/span><\/li><\/ul><\/div>\n\n\n\n<a id=\"step\"><\/a><h2 style=\"margin-bottom:0px; margin-top:20px;\">Step-by-step guide to home insurance claims <\/h2>\n\n\n\n<p>If your home or belongings are damaged by a covered event\u2014such as <a href=\"https:\/\/www.plymouthrock.com\/resources\/home-fire-safety-tips\">fire<\/a>, wind or theft\u2014you may want to file a homeowners claim. The first thing you should do, of course, is make sure that everyone is safe. After that, you should take the following steps:<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"52951\" class=\"elementor elementor-52951\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4428ef0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4428ef0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7c0f600\" data-id=\"7c0f600\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f00ad9d resource-slider elementor--h-position-center elementor--v-position-middle elementor-arrows-position-inside elementor-pagination-position-inside elementor-widget elementor-widget-slides\" data-id=\"f00ad9d\" data-element_type=\"widget\" data-settings=\"{&quot;autoplay_speed&quot;:13000,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;transition&quot;:&quot;slide&quot;,&quot;transition_speed&quot;:500}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\" dir=\"ltr\" data-animation=\"fadeInRight\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-0f41a20 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step #1: Contact the police (if needed)<\/div><div class=\"elementor-slide-description\">If there\u2019s a fire or criminal activity is involved, such as vandalism or a break-in, contact the police right away.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-eb3115f swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step #2: Contact your insurance company<\/div><div class=\"elementor-slide-description\">If you think the cost to repair the damage or replace your belongings exceeds your deductible, contact your insurance company or independent agent. They can help you file a claim.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-e319433 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step #3: Document the damage<\/div><div class=\"elementor-slide-description\">Compile a list of all damaged or stolen possessions. Take photos and videos of the damage from multiple angles. This will help your insurance adjuster assess your payment.\u00a0<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-f2686d7 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step #4: Make any urgent repairs<\/div><div class=\"elementor-slide-description\">Make any repairs needed to prevent further damage; your insurance company can help you select a contractor. You can always make permanent repairs later.<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Steps your insurance company will take<\/strong><\/h3>\n\n\n\n<p>After you file your claim, your home insurance company will assign a claims representative to your case. The representative will contact you in order to:<\/p>\n\n\n\n<ul style=\"margin-bottom:15px;\"><li>Gather more information about the claim<\/li><li>Explain your coverages<\/li><li>Answer any questions you have<\/li><li>Schedule an appointment to inspect your damage (if necessary)<\/li><li>Help you select a contractor to make urgent repairs to your home (if necessary)<\/li><\/ul>\n\n\n\n<p>After the damage has been fully assessed, your claims representative may send you a repair estimate based on acceptable repair methods. If your claim is covered, your insurance company could pay to repair or replace your damaged property.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:5px 0px 5px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"how\"><\/a><h2 style=\"margin-bottom:0px; margin-top:0px;\">How insurance companies pay out claims <\/h2>\n\n\n\n<p>Here are some common questions regarding home claim payments:<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>How long does it take to settle a home insurance claim?<\/strong><\/h3>\n\n\n\n<p>A claim settlement can take a couple of days or several months, depending on the severity of your claim and state regulations, among other factors. Generally speaking, the more complex the homeowners claim, the longer it takes to settle.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>How will I receive my claim payment?<\/strong><\/h3>\n\n\n\n<p>Insurance companies typically pay claims by direct deposit, electronic check or printed check. The exact payment process and the amount you receive will depend on several factors, including your homeowners insurance policy, the claim type, your deductible amount, the state you live in, and whether or not you have a mortgage.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Do deductibles apply to every claim?<\/strong><\/h3>\n\n\n\n<p>A <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-is-a-good-deductible-for-home-insurance\">deductible<\/a> is the amount you must pay out-of-pocket before your insurance kicks in. Generally speaking, a deductible will apply to home insurance claims if they are made under your <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-is-dwelling-insurance\">dwelling<\/a>, personal property or <a href=\"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage\">other structures coverage<\/a>. Other types of coverage may not have deductibles, like <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-homeowners-liability-insurance-cover\">personal liability coverage<\/a>.<\/p>\n\n\n\n<p>Remember, if the cost to repair the damage is less than your deductible, you may not want to file a homeowners claim. Check your policy to find out your deductible amount.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Will I receive one payment check or multiple checks?<\/strong><\/h3>\n\n\n\n<p>Depending on the nature and severity of the damage, it is entirely possible that you could receive multiple checks. Let\u2019s say a fire damages both the structure of your home and your personal belongings. In this case, you may receive two separate checks from your insurance company, one for each category of damage.<\/p>\n\n\n\n<p>Additionally, if you\u2019re unable to live in your home while it is being repaired, you may receive a third check\u2014this one for the expenses you incur during this period of time, such as temporary housing and meals. These additional living expenses are covered by your policy\u2019s <a href=\"https:\/\/www.plymouthrock.com\/resources\/loss-of-use-coverage-homeowners-insurance\">loss of use coverage<\/a>.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Will my payment amount reflect the actual cash value or replacement cost value of my property?<\/strong><\/h3>\n\n\n\n<p>How much an insurance company pays out depends on whether your&nbsp;policy&nbsp;provides for <a href=\"https:\/\/www.plymouthrock.com\/resources\/actual-cash-value-vs-replacement-cost-value\">actual cash value (ACV) or replacement cost value (RCV)<\/a>. Check with your insurer to understand the limits of your homeowners coverage.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Actual cash value<\/strong>&nbsp;\u2013 Pays you what the item is worth at the time of the loss. This amount factors in depreciation due to age and wear and tear.<\/li>\n\n\n\n<li><strong>Replacement cost value<\/strong>&nbsp;\u2013 Pays you to replace the item with a new, similar item at today\u2019s market prices. It does not factor in depreciation.<\/li>\n<\/ul>\n\n\n\n<div style=\"width:100%; text-align:right; padding:5px 0px 5px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"home\"><\/a><h2 style=\"margin-bottom:0px; margin-top:0px;\">Home insurance claim tips <\/h2>\n\n\n\n<p>Here are some things you can do to speed up the home claim process:<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>How to Speed Up Your Claim<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Review your coverage<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">File your claim right away<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Save all documentation<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Communicate with your insurance company<\/span><\/li><\/ul><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Review your coverage<\/strong><\/h3>\n\n\n\n<p>Take a few minutes to review your home insurance coverage. A good place to start is your policy\u2019s <a href=\"https:\/\/www.plymouthrock.com\/resources\/home-insurance-declarations-page\">declarations page<\/a>. This will help you understand if the damage to your home or personal items is covered by your home policy. While you\u2019re at it, be sure to review your coverage limits, deductible amounts and other important information.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>File your claim right away<\/strong><\/h3>\n\n\n\n<p>It\u2019s important to file your home insurance claim as soon as possible. In fact, most insurance policies require that you report claims within a certain time frame.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Save all documentation<\/strong><\/h3>\n\n\n\n<p>When in doubt, document it! This means taking clear photos and videos of the damage to your home and personal items, asking for estimates and receipts from <a href=\"https:\/\/www.plymouthrock.com\/resources\/does-homeowners-insurance-cover-damage-caused-by-contractors\">contractors<\/a>, and jotting down serial numbers of valuables. Detailed documentation like this will make your insurance adjuster\u2019s job much easier\u2014and speed up your claim as a result.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Communicate with your insurance company<\/strong><\/h3>\n\n\n\n<p>Your insurance company wants to work with you during this difficult time. Help them help you by staying in touch throughout the claim process. Follow up on correspondences in a timely manner and don\u2019t be afraid to ask questions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What to expect when filing a home insurance claim? Follow these tips to make your home insurance claims process go as smoothly as possible.<\/p>\n","protected":false},"author":6,"featured_media":52947,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[72],"state":[],"class_list":["post-52955","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-home"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How do home insurance claims work? | Plymouth Rock<\/title>\n<meta name=\"description\" content=\"What to expect when filing a home insurance claim? 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