Claims Filing Checklist

Immediate Steps After an Incident

The actions you take immediately after an incident can significantly impact your claim outcome. Quick, thorough documentation preserves evidence and demonstrates the extent of your loss to the insurance adjuster.

• Ensure safety of all people and prevent further damage
• Call emergency services if needed (fire, police, ambulance)
• Document the scene with photos and video from multiple angles
• Collect contact information from all witnesses
• Secure the property to prevent additional damage or theft
• Contact your insurance agent to report the incident immediately

Documentation Checklist

Thorough documentation is the foundation of a successful insurance claim. The more evidence you can provide, the smoother and faster the claims process will be.

• Written description of what happened, when, and how
• Photos and video of all damage before any cleanup or repairs
• Police or fire department reports and incident numbers
• Inventory of damaged or lost property with values
• Receipts, invoices, or appraisals for damaged items
• Records of any temporary repairs made to prevent further damage

Working with the Claims Adjuster

The insurance company will assign an adjuster to investigate your claim and assess the damage. Be cooperative and responsive, but also know your rights. You're entitled to a fair and timely settlement. Keep records of all communications with the adjuster, including dates, times, and what was discussed.

Common Mistakes to Avoid

Avoiding these common pitfalls can prevent delays, reduced settlements, or claim denials.

• Don't delay reporting—most policies require prompt notification
• Don't dispose of damaged property before the adjuster inspects it
• Don't sign any documents without understanding what they mean
• Don't accept the first offer if you believe it's inadequate
• Don't make permanent repairs before getting adjuster approval
• Don't exaggerate or misrepresent the extent of your loss