You can begin by contacting your insurance agent or customer service team. They’ll walk you through the next steps and help you gather what’s needed.

Typically, you’ll need your policy number, date and location of the incident, a description of what happened, and any supporting photos or documentation.

It’s best to report a claim as soon as possible. Most policies require you to notify your insurer promptly—delays could impact your coverage.

This depends on several factors including your claims history, the type of claim, and the terms of your policy. Your agent can explain how a claim may affect your rate.

Your deductible is the amount you pay out of pocket before your insurance kicks in. The claim payout will typically be the total loss minus your deductible.

Not always. Your insurance company may send an adjuster or recommend preferred vendors. However, it’s helpful to have photos or early estimates ready.

The timeline varies based on the type of claim and complexity. Simple claims may be processed within days, while others can take longer if more investigation is required.

Yes, you often have the option to choose your own, although insurers may recommend trusted vendors. Just make sure your provider is licensed and insured.

You have the right to ask for a detailed explanation and appeal the decision. Your insurance team can help guide you through next steps or dispute options.

Your local agent or service representative is your go-to resource. They’ll keep you updated, explain each step, and advocate on your behalf if needed.