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The Insurance Claim Process: Step-by-Step Guide for Homeowners

When disaster strikes—whether it's a storm, fire, flood, or unexpected damage—filing an insurance claim can feel overwhelming. Many homeowners don’t know what to expect, which can lead to costly delays, underpaid claims, or outright denials.

This step-by-step guide walks you through the home insurance claim process so you know exactly what to do and what to expect.

📌 Step 1: Notification – Report the Damage

The first thing you need to do is notify your insurance company as soon as possible. Most policies require you to report damages within a specific timeframe. This is called the first notice of loss (FNOL).

Tip: Take detailed photos and videos of all damage before cleaning or making temporary repairs.

👤 Step 2: Assignment – Claim Number & Adjuster

Once your claim is reported, the insurance company assigns a claim number and a claims adjuster. This person will be your point of contact during the investigation.

📝 Step 3: Acknowledgment, Records & Action Plan

The insurance company will formally acknowledge the claim and may ask you for documentation:

Proof of loss
Repair estimates
Inventory of damaged items
Photos or video evidence

They may also send forms for you to complete.

🔍 Step 4: Investigation – Verifying the Loss

This is when the assigned adjuster (or in some cases, a third-party inspector) visits your property to:

Inspect the damage
Verify cause of loss
Determine policy coverage
Estimate repair or replacement costs

Pro Tip: This is where many claims fall short. If you’re not comfortable advocating for yourself, consider hiring a licensed public adjuster to represent your interests.

💬 Step 5: Negotiation – Working Toward a Settlement

After reviewing their findings, the insurance company will make a settlement offer. You don’t have to accept the first offer—especially if it doesn’t fully cover your loss.

This is often when Titan Public Adjusters steps in to:

Reassess the damage
Challenge lowball estimates
Handle communication with the insurer
Fight for a fair settlement

💵 Step 6: Payment – Getting Paid & Making Repairs

Once an agreement is reached, you’ll receive payment to begin repairs. Depending on your policy, this may come in one or multiple checks (especially if you have a mortgage lender involved).

Important: Keep receipts and documentation for all repairs and expenses.

You Don’t Have to Do It Alone

Insurance claims are more complex than most homeowners realize—and one misstep can cost you thousands. At Titan Public Adjusters, we guide you through every stage of the process and fight to get you the maximum payout.