How to File a Property Claim

June 14, 2022


When a natural disaster like a tornado, flood or earthquake strikes, the last thing you want to think about is going back to survey the damage and file a claim. However, this important step will ensure that you are reimbursed for damages and will allow your family to regain a sense of security.



Here are the seven major steps to take when filing a property claim:

  1. Protect property from further damage.
    • Cover the property if it is exposed to the elements.
    • Make temporary repairs, if reasonable and necessary.
    • Maintain a record of all expenses incurred.
  2. Take photos of damage (if possible).
  3. Prepare an inventory of damaged person property.
  4. Retain damaged property until a claims adjuster approves its disposal (unless a danger to safety exists).
  5. Notify police in the case of theft.
  6. Expect to be contacted by the claims adjuster within two working days. Please call Verge Insurance Group if you have not been contacted within that timeframe.
  7. Be prepared to provide additional information as requested by the claims adjuster.


This article is for informational purposes only and is not intended as professional advice. © 2016 Zywave, Inc. All rights reserved.