How to file a property insurance claim

Start with safety and a clear record

A property claim begins with reporting the loss to the insurer and showing what happened. You do not need a finished repair estimate to give notice. Keep your description factual: what you observed, when you first noticed it, and which areas appear affected. If the cause is uncertain, say so.

• Follow emergency instructions and avoid unsafe rooms, roofs, electrical equipment, and floodwater.
• Photograph the damage from safe locations before cleanup when possible. Record wide views, close details, and dates.
• Take reasonable steps to prevent further damage when safe. Save the invoices, photographs, and descriptions of temporary work.
• Keep your policy, claim number, and insurer contact details in one folder.

Notify the right insurer

Use the claims channel listed on your policy. Ask for written confirmation of the report, a claim number, and instructions for the next step. A request sent to Care Claims does not notify your insurer or file an insurance claim.

Wind damage, a plumbing leak, and flooding can raise different coverage questions. Where more than one policy may apply, identify each insurer and report the relevant loss. A flood proof-of-loss requirement is separate from giving notice; do not wait to report while collecting documents.

Prepare for the inspection

Make a room-by-room list of damage and provide copies of photographs, repair records, and relevant prior-condition records. Ask the adjuster which areas were inspected and what additional information is needed. Keep originals and a dated log of what you send.

Compare the written estimate with the work required. Separate questions about covered damage from questions about quantities, pricing, depreciation, deductibles, or code-related work. A contractor quote can help identify differences; it does not determine insurance coverage by itself.

Keep deadlines and decisions visible

Notice, proof of loss, insurer responses, and legal proceedings have different requirements. Use our Florida claim deadlines guide to identify the clocks that need review for your policy and loss date.

If the decision is unclear, request a written explanation. For a denied or underpaid claim, gather the policy, estimate, decision letter, and payment record before seeking a claim review. A review can identify missing information and possible next steps; it cannot promise coverage or a particular payment.