Your renters insurance policy protects you from liability and replaces your possessions if they're damaged, lost or stolen.
Now that you're prepared with a policy, learn how to file a claim. For an overview of policy options and coverages, see Renters Insurance.
How to file a claim
- File a police report if necessary and contact your insurance agent.
As soon as you notice something's stolen, call the police and file a report. Then call your agent and share the police report file number and details of the incident.
If someone is hurt, follow the same procedure and also call medical emergency personnel if needed.
- Document all the losses and damages.
Your insurance company will need details on what was lost, damaged or stolen, so write a list and include each item separately. Include as much information as possible about every item.
What to include for each item
- Physical description with dimensions, color and any identifying marks
- Serial number or ID number
- Purchase date, price or estimated cost and receipt or invoice
For specifics about tenant policy coverages, see Tenant Policy (Renters Insurance).
- Obtain repair or replacement cost estimates.
This step is important whether you have an Actual Cash Value or a Replacement Value policy. Get written estimates so the adjuster can compare costs.
- Make and keep an appointment with the claims adjustor.
Your insurer should assign a claims adjustor to investigate the claim and negotiate a settlement. Be available to provide details and ask questions about coverage or timing.
- Prepare for claim settlement.
On settlement day you may sign final documents and receive payment for approved damages. Review the final claim documents for accuracy before you sign.
If you're confused about any language or values, ask a knowledgeable friend or attorney for help before signing.
Renters insurance gives you peace of mind, and now you know how to file a claim if necessary. If you don't have coverage, talk to an insurance agent and make sure you're protected.
Frequently Asked Questions
How soon should I report a stolen item to my insurer?
Report thefts as soon as possible and file a police report if required; timely reporting helps the claim process proceed without delay.
Will I need receipts or proof of purchase for my claim?
Receipts, invoices, serial numbers, and photos help substantiate your loss and can speed up the adjuster's review, but the insurer may accept other forms of verification if receipts are unavailable.
What's the difference between actual cash value and replacement cost?
Actual cash value pays for an item's value after depreciation, while replacement cost covers buying a similar new item without deduction for depreciation.