File Your Claim Right Away

All policies require homeowners to report their loss as soon as is reasonably possible. You can comply by calling your agent or sending an email. After that, you’ll be asked to submit a “proof of loss claim,” in which you itemize your losses and list the value. (Hopefully, you already followed the guidance in, “Preparing a Home Inventory in Case Your Property Gets Damaged or Stolen.”) If you delay notifying your company, you may find yourself far down on the list when it comes time for the company to send an adjuster to deal with your claim.