How do I file a homeowners insurance claim?

Start by documenting all damage with photos and video before touching anything. Contact your insurer immediately through their claims hotline or online portal. Have your policy number ready and describe the damage clearly. Make temporary repairs to prevent further damage but keep all receipts. Your insurer will assign an adjuster to inspect the property. Do not throw away damaged items until the adjuster has seen them. A clear, detailed claim file helps ensure you receive the full settlement you are entitled to.