How to Make an Insurance Claim


When you make an insurance claim, you’re asking your insurance provider to reimburse you or cover expenses against losses covered under your policy. This process is a straightforward one, but it can seem confusing, especially to first-time claimers. In this article, we’ll walk you through the insurance claims process and give you tips on how to file a claim successfully.

The Insurance Claims Process

Here is a step-by-step guide on how to make an insurance claim:

Step 1: Contact

Making a claim starts with contacting your insurance agent, broker, or company. You inform them that you want to make a claim, and they’ll guide you on how to proceed. In this step, your insurance provider will ask you for details about the circumstances of the claim, such as a list of items that were damaged or lost, a car accident report, or a death certificate.

Step 2: Claim Investigation and Policy Review

After you report your claim, an adjuster investigates the situation to determine the amount of loss or damages and to identify any liable parties. The adjuster will review your policy to see what is and what isn’t covered and to let you know if any deductibles may apply to your case.

Step 3: Damage Evaluation

To accurately evaluate the extent of the damage, the adjuster may hire appraisers, engineers, contractors, etc. for their expert opinion. Once this is complete, you’ll be given a list of preferred vendors who can help you with your circumstance.

Step 4: Payment

After damages have been compensated, repairs have been completed, and broken items have been replaced, the adjuster will reach out to you regarding the settlement of your claim and payment. This can take some time if your situation is complex.

Tips for Filing an Insurance Claim

Here are some things to keep in mind when you’re filing an insurance claim:

Read Your Policy

Before filing a claim, go through your insurance policy carefully to understand its coverage limits, deductibles, and exclusions. This will give you a better idea of the extent of what your insurance can do for you and how you can maximize it.

Document Everything

Insurance claims are largely dependent on the data that you furnish your insurance provider, such as evidence of the damage or loss and receipts of any expenses you’ve incurred during the incident. The more detailed you are, the easier it will be for them to evaluate your case and process your claim.

Throughout the claims process, be sure to document your communications with your insurance company, as well.

File Your Claim Promptly

Most insurance companies have a time limit for filing a claim. Don’t wait too long before contacting your insurance broker or agent, or your claim may be denied.

Making an Insurance Claim

Insurance claims can be denied. To make sure that that doesn’t happen to you, it’s important that you understand your policy and properly follow the claims process of your insurance provider.


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