What you need to know when filing a homeowners claim

  • Make a list of all your damaged property. You’ll need this when you meet with your adjuster.
  • Take photos and videos of damage.
  • Contact your insurance company or agent with your policy number, name, address, and phone number.
  • You’ll need to explain what happened and describe the extent of the property damage.
Free Home Inventory APP from the NAIC
  • Review and update your inventory annually, including your pictures/videos.
  • Update your inventory when you buy new items.
  • Keep receipts with your inventory for all repairs and new items you buy for proof if you have to file a claim.
  • Review photos (e.g., on your cell phone or from family or friends) taken inside your home. That may help you make the list.
  • Search online retailers to help estimate costs.

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WA State Office of the Insurance Commissioner

WA State Office of the Insurance Commissioner

Washington state Insurance Commissioner Mike Kreidler regulates the insurance industry and protects insurance consumers.