What to Do If You Have a Home Insurance Claim

Step 1: Ensure Safety First

Before anything else, make sure your family is safe. If there's structural damage, gas leaks, or electrical hazards, evacuate and call emergency services. Your safety is always the top priority.

Step 2: Document the Damage

Take photos and videos of everything — the damage itself, the surrounding area, and any personal property that was affected. The more documentation you have, the smoother your claim will go. Don't throw anything away until the adjuster has seen it.

Step 3: Prevent Further Damage

Your policy requires you to take reasonable steps to prevent further damage. This might mean:

• Putting a tarp over a roof leak
• Shutting off water to a burst pipe
• Boarding up a broken window

Keep all receipts for emergency repairs — they're reimbursable.

Step 4: Contact Your Agent Immediately

Call us right away at (951) 278-1525. As your agent, we'll:

• Help you file the claim directly with your carrier
• Explain what your policy covers and your deductible
• Guide you through the entire process
• Advocate on your behalf with the insurance adjuster

Step 5: Keep a Claim File

Stay organized by keeping everything in one place:

• Your claim number
• All correspondence with the insurance company
• Receipts for temporary repairs and additional living expenses
• Photos and documentation
• The adjuster's contact information

Step 6: Review the Settlement Offer

Don't accept the first offer blindly. If the settlement seems low, we'll help you negotiate. We know what fair looks like, and we're here to make sure you're made whole.

Having a local advocate on your side makes all the difference. At Limon Insurance Agency, we don't just sell you a policy — we're with you every step of the way, especially when it matters most.