Making an Insurance Claim

If you must make a formal request to have the insurance company pay for a loss (a claim), call your insurance agent to walk you through the process. 

• You may need to provide an estimate of the cost to repair or replace stolen or damaged property.
• A claims adjuster will decide if the insurance company will pay the claim and how much. Sometimes this will involve an inspection of the property — for example, when a roof has been damaged by hail. 
• Any settlement is paid according to the policy terms.