How does the catastrophe claim process work?

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.

Damage Assessment

You should review your policy for specific coverage information; however after a loss has occurred you should generally:

• Look at your damage and determine if there are any safety risks. If safe, have repairs made to prevent further damage -- keep an accurate record of your repair expenditures.
• You may wish to obtain estimates from contractors experienced in repair work.
• Major damage may require contractor/engineer inspections.
• Some repairs may not be covered unless you purchased a specific endorsement.

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

Settlement

• We will pay to repair or replace your damaged property subject to the terms and conditions of your policy.
• Check with your agent or claim representative for complete details.

The claim payment may include the name of your mortgage company. If it does, 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.