Filing a home insurance claim can feel stressful, especially when you’re dealing with damage, repairs, or the unexpected. Take a breath. You’re okay. Here’s a calm, clear guide to help you understand what happens after you file a claim and how to move forward confidently.

Step One: Protect your home from further damage

If it’s safe, take simple steps like covering broken windows, placing buckets under leaks, or moving belongings away from water. Preventing additional damage helps protect your home and your claim.

Step Two: Document everything

Take photos and videos of the damage, the affected areas, and any belongings that were harmed. More information makes the claim process smoother.

Step Three: Keep receipts for temporary repairs

If you buy supplies or hire someone for emergency repairs, save the receipts. These may be reimbursable depending on your coverage.

Step Four: Work with the adjuster

An adjuster will inspect your home or review your photos. They’ll assess the damage and help determine the next steps. Ask questions if anything is unclear. You deserve to understand the process.

Step Five: Review your coverage

Your agent can help you understand what’s covered, what isn’t, and what your deductible means for the final settlement. Clear information makes everything easier.

Step Six: Get repair estimates

A licensed contractor can provide estimates for repairs or replacement. Your agent can help you choose reputable companies and avoid storm‑chasing contractors.

Step Seven: Understand your settlement

Once the adjuster completes their review, the insurance company will provide a settlement amount based on your policy and the damage. Your agent can help you understand how the payment works.

Step Eight: Complete repairs and follow through

Work with your contractor to complete repairs. Stay in touch with your agent if you have questions or need help along the way. You’re not doing this alone.

What Not to Do

• Don’t throw away damaged items before documenting them.

• Don’t delay temporary repairs that prevent further damage.

• Don’t hire unlicensed contractors.

• Don’t assume all damage is covered.

Ohio Home Claim Tips

• Wind and hail storms cause many claims.

• Tree damage is common during severe weather.

• Winter ice can create hidden leaks.

• Older homes may have wear that affects coverage.

If you’ve filed a home claim and need guidance, we’re here to help.