--- title: Top 5 Tips for Filing a Homeowners Insurance Claim description: Want to know the best tips when filing a homeowners insurance claim? 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[Personal Insurance](https://hpminsurance.com/blog/topic/personal-insurance),. [Claim Information](https://hpminsurance.com/blog/topic/claim-information). When your home or property is damaged, it is stressful.  The last thing you want is to jump through hoops with your insurance company when filing a claim. Here is what you need to know to get your [homeowners insurance](https://hpminsurance.com/homeowners-insurance-new-hampshire) claim going smoothly. ![Filing a homeowners insurance claim](https://hpminsurance.com/hs-fs/hubfs/Assets/Claim/claim%20form.jpeg?width=902&name=claim%20form.jpeg) # Top 5 Things to Make Filing a Homeowners Insurance Claim Easier **1. Prevent additional damage** Whether you had a break-in where a couple of items were stolen or a large fire, the potential for additional damage exists.  The standard homeowner's policy requires that the insured take reasonable and necessary repairs to protect the property and/or protect the property from further damage.   If there is a burst pipe, you would need to turn off the water.  If a fire, you would need to board up your home to discourage vandalism.  Check with your insurance professional, but most homeowner's insurance policies will pay for reasonable repairs made solely to protect the insured property from further damage assuming the initial cause of loss is covered. **2.  Report the claim right away** If you have a theft claim, you are required by the homeowner's policy (which is considered a contract) to contact the police and file a report.  You should document the officer you spoke with as well as the case number as this will be needed when filing a claim with your insurance company. There is also a requirement written into many home policies that you are required to "promptly" report a claim, or the company can deny coverage.  That said, if you had a minor claim on a Friday night, the company would not deny your claim if reported on Monday.  It is good to know that most insurance companies have 24-hour claims reporting and typically adjusters on staff ready to respond to a large loss, such as a fire. As you could be emotionally rattled, it is a good idea to add your company's contact information into your phone and make a note of your policy number before a loss.  **3.  Take pictures** They say a picture is worth 1000 words and in claims, this is certainly true.  Documenting the damage with photos right after it happens can help visualize for your company's claims adjuster the extent of damage. **4.  Provide a list of damaged property to the insurance company** This may not seem daunting if say your new television was stolen.  It is one item and if newer, you may even be able to find the receipt. What if your entire home was destroyed?  Could you remember it all? Chances are without some sort of guide, it would be extremely difficult.   This is why it is a good idea to document what you own beforehand with an inventory list, complete with item description, serial number, date of purchase and cost.  The more detailed the information, the easier it will be for you and the insurance adjuster.  It can be as basic as a notebook that includes receipts (though it is not recommended that you keep this at your home unless in a fire proof safe), or with photos and a spreadsheet backed up in several locations.  There are also many apps available, but again, make sure the info can be exported and backed-up in some form. **5. Be available** Adjusting a claim, regardless of its size, does take time and requires cooperation from both sides.  The easier it is to keep the lines of communication open, the faster a claim can be settled. Make sure that you share with the claim's adjuster the best phone numbers where you can be reached.    No one likes claims, but if you understand the process, the whole process can go smoothly.  ### Possibly related posts: - [Your Home Insurance Inspection: What to Expect and How to Prepare](https://hpminsurance.com/blog/your-home-insurance-inspection-what-to-expect-and-how-to-prepare) - [What Do I Do If My NH Home Insurance Gets Non-Renewed?](https://hpminsurance.com/blog/what-do-i-do-if-my-nh-home-insurance-gets-non-renewed) - [How Does a Speeding Ticket Impact My Auto Insurance in New Hampshire?](https://hpminsurance.com/blog/how-does-a-speeding-ticket-impact-my-auto-insurance-in-new-hampshire) - [How Will Tariffs Likely Impact Your NH Home & Auto Insurance Rates?](https://hpminsurance.com/blog/how-will-the-tariffs-impact-your-nh-home-auto-insurance-rates) ## Request Free Insurance Quotes! ### [Rss Feed](https://hpminsurance.com/blog/rss.xml) - [Personal Insurance (61)](https://hpminsurance.com/blog/topic/personal-insurance) - [Homeowners Insurance (44)](https://hpminsurance.com/blog/topic/homeowners-insurance) - [Business Insurance (35)](https://hpminsurance.com/blog/topic/business-insurance) - [Car Insurance (26)](https://hpminsurance.com/blog/topic/car-insurance) - [Agency News (24)](https://hpminsurance.com/blog/topic/agency-news) - [Commercial Insurance (21)](https://hpminsurance.com/blog/topic/commercial-insurance) - [Safety Tips (14)](https://hpminsurance.com/blog/topic/safety-tips) - [Health Insurance (9)](https://hpminsurance.com/blog/topic/health-insurance) - [Claim Information (8)](https://hpminsurance.com/blog/topic/claim-information) - [Auto Insurance (7)](https://hpminsurance.com/blog/topic/auto-insurance) - [Insurance Tips (6)](https://hpminsurance.com/blog/topic/insurance-tips) - [Boat Insurance (5)](https://hpminsurance.com/blog/topic/boat-insurance) - [Commercial Auto Insurance (5)](https://hpminsurance.com/blog/topic/commercial-auto-insurance) - [Workers Compensation Insurance (5)](https://hpminsurance.com/blog/topic/workers-compensation-insurance) - [Jewelry Insurance (4)](https://hpminsurance.com/blog/topic/jewelry-insurance) - [Landlord Insurance (4)](https://hpminsurance.com/blog/topic/landlord-insurance) - [Small Business Insurance (4)](https://hpminsurance.com/blog/topic/small-business-insurance) - [save money (4)](https://hpminsurance.com/blog/topic/save-money) - [Cyber Insurance (3)](https://hpminsurance.com/blog/topic/cyber-insurance) - [Flood Insurance (3)](https://hpminsurance.com/blog/topic/flood-insurance) - [NH Homeowners Insurance (3)](https://hpminsurance.com/blog/topic/nh-homeowners-insurance) - [renters Insurance (3)](https://hpminsurance.com/blog/topic/renters-insurance) - [Life Insurance (2)](https://hpminsurance.com/blog/topic/life-insurance) - [NH Auto Insurance (2)](https://hpminsurance.com/blog/topic/nh-auto-insurance) - [Property Insurance (2)](https://hpminsurance.com/blog/topic/property-insurance) - [Agency Happenings (1)](https://hpminsurance.com/blog/topic/agency-happenings) - [Business Insurance New Hampshire (1)](https://hpminsurance.com/blog/topic/business-insurance-new-hampshire) - [Condo Insurance (1)](https://hpminsurance.com/blog/topic/condo-insurance) - [Employee Benefits (1)](https://hpminsurance.com/blog/topic/employee-benefits) - [High Value Home Insurance (1)](https://hpminsurance.com/blog/topic/high-value-home-insurance) - [High-Value Homeowners Insurance (1)](https://hpminsurance.com/blog/topic/high-value-homeowners-insurance) - [Home Insurance (1)](https://hpminsurance.com/blog/topic/home-insurance) - [Motorcycle Insurance (1)](https://hpminsurance.com/blog/topic/motorcycle-insurance) - [New Hampshire Insurance (1)](https://hpminsurance.com/blog/topic/new-hampshire-insurance) - [RV Insurance (1)](https://hpminsurance.com/blog/topic/rv-insurance) - [Travel Insurance (1)](https://hpminsurance.com/blog/topic/travel-insurance) - [commercial property insurance (1)](https://hpminsurance.com/blog/topic/commercial-property-insurance) - [homeoweners insurance (1)](https://hpminsurance.com/blog/topic/homeoweners-insurance) ## Subscribe to Our Blog - ### Don't Wait. 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