How to File a Home Insurance Claim Online

Report storm damage, theft, or water damage through your insurer's website — with photos and a written description.

In this guide (5 steps):

1.Stop more damage if you can safely
2.Photograph everything
3.Find your policy number
4.File the claim online
5.Meet the adjuster

Stop more damage if you can safely

~15s

Cover a broken window with a tarp, turn off the water if a pipe burst, or move undamaged items to a dry area. Keep receipts for any emergency repairs — the insurer usually reimburses those.

Photograph everything

~15s

Take wide shots of each damaged room and close-ups of every item. Do not throw anything away before the adjuster sees it, even if it looks destroyed.

Find your policy number

~15s

Sign in to your insurer's website or app. Your policy number is on your home page, your declarations page, or any recent email from the company.

File the claim online

~15s

Click "File a claim" and follow the prompts. You will describe what happened (storm, fire, theft, water), upload your photos, and list damaged items with rough values. A claim number appears when you finish.

Meet the adjuster

~15s

Within a few days, an adjuster will call to schedule a visit to your home — or review the damage remotely using a video call. Walk them through everything and share your receipts for emergency work.

You Did It!

You've completed: How to File a Home Insurance Claim Online

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If a storm damages your roof, a pipe bursts, or something is stolen, you can file a home insurance claim online in most cases. You will need photos of the damage, a list of what is broken or missing, and your policy number.

Act quickly — most insurers expect a claim within 30 to 60 days of the damage, and earlier is better for getting paid faster.

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