How does the claim process work?

1. Report your claim
Contacting us and reporting your damage starts the claim process. Once you have reported your damage, a claim representative will contact you as soon as possible.

2. Damage assessment

Look at your damage and determine if there are any safety risks. If safe, make minor repairs to prevent further damage -- keep an accurate record of repair expenditures. Feel free to obtain estimates from reliable contractors experienced in repair work. Major damage may require contractor/engineer inspections. Some repairs may not be covered unless you purchased a specific endorsement, such as building code upgrade costs.

Additional suggestions
Make emergency repairs to protect your home from further damage
Protect your personal property from further damage
If your home is uninhabitable
Make an inventory
Your car

3. Settlement

Payment is usually for replacement cost value or actual cash value depending on policy or state regulations. Check with your agent or claim representative for complete details. We are required to protect your mortgage company up to your mortgage balance. Claim payment may include name of your mortgage company. Be sure to ask your mortgage company about their procedure for endorsing your claim payment.

This website contains only a general description of coverage, and is not a policy contract. COVERAGE UNDER ANY STATE FARM® PRODUCT IS SUBJECT TO TERMS, CONDITIONS AND EXCLUSIONS IN THE ACTUAL POLICY.