What You Should Do After Damage to Your Home
Last updated in November 2019
Report the Claim
Contact your insurance agent. If you don’t have one, contact your insurance company’s claims department.
Make Sure Your Insurer Promptly Responds
The insurance company will assign someone to check the damage and determine how much it will pay. If it is necessary to vacate your home, be sure to report the address and phone number where you can be reached.
Minnesota law requires insurance companies to acknowledge the receipt of your claim within 10 working days. They are also required to provide you with the appropriate forms to file a claim. If your company does not respond to you within the required period of time, or if you experience any other unreasonable delays in the handling of your claim, contact the Minnesota Department of Commerce.
Information You Will Need to Provide
You will complete a claim report that lists all items destroyed, damaged, or missing. If you don’t possess or can’t locate a complete household inventory, picture the contents of every room in your home and then list and describe all items damaged or destroyed. As accurately as possible, indicate when or where you bought each item, how much you paid for it, and how much it will cost to replace it. Also include the brand name and model number, if you know them.
Make Temporary Repairs to Prevent Further Damage
To protect your property from further damage, make all necessary temporary repairs, such as boarding up windows and patching holes in walls or roofs, as soon as possible—even before you see the insurance company representative. Also move your belongings to a protected area, and begin cleaning and drying items damaged by water. However, don’t dispose of any item that may be a complete loss until the company representative has examined it.
Take pictures to show how things looked before you began cleaning and repairing, and keep receipts for all clean-up expenses.
Most homeowners policies cover reasonable costs of emergency clean-up and temporary repairs. Keep receipts.
When Dealing with Contractors, Withhold as Much Payment as Possible Until Work Is Completed
If the repair work is extensive, the contractor may ask for periodic partial payments as the work progresses—but no reputable contractor should request full payment in advance. The contract should specify that payments will be made as the work is completed. If you have a mortgage on your home, the lending institution may also have specific requirements as to how the insurance funds are disbursed.
What to Do If the Cost of Repairs Exceeds What the Insurer Will Pay
If there is a discrepancy between what your insurance company offers you and the actual cost of repairs, or if the contractor finds hidden damage after the insurance company has set a cost figure, first contact the company representative and try to resolve the difference. If you are still unable to resolve your differences, complain to the Minnesota Department of Commerce.
Where to Live During Repairs
Homeowners policies include coverage for costs of hotel rooms and other expenses in excess of your normal living expenses. Ask your company representative if there are any restrictions on where and how long you can stay, and how much you are allowed to spend. If you stay with a relative or friend, the company may reimburse your host for lodging only if you can show proof of actual payment.
What to Do After a Flood
Standard homeowners policies do not cover flood damage. But if you have a flood insurance policy, your company or the National Flood Insurance Program will assign an adjuster to your claim.
If your home is not covered for flood damage, check with the federal agencies at the local disaster center to see if you are eligible for federal assistance, including grants or low-interest loans.
What to Do After an Earthquake
If you purchased an earthquake coverage endorsement, your company will assign a representative to evaluate your damage. If you do not have earthquake coverage, check with federal and state emergency agencies to see if you are eligible for financial assistance.
If You Have a Problem with Your Insurer
Contact your agent or company if you believe your insurance company has improperly canceled or non-renewed your policy, or has refused to pay all or part of a valid claim; you have the right to question and complain. If a mistake has been made, it will be corrected if you make an inquiry. A complaint by letter or email is best; retain copies of your correspondence.
If you do not receive a prompt, courteous, and satisfactory response, ask the Minnesota Department of Commerce for help resolving your problem. State insurance departments have a lot of leverage with companies and resolve many complaints in favor of consumers.