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We value your privacy. We may collect personal information from you such as identifying information (name, address, driver's license number), transactional information (products or services purchased and payment history), digital network activity (interactions with our website, IP address), geo-location data, audio recordings and other forms of personal information. We use this information for business, marketing and commercial purposes, including but not limited to, providing the products and services you request, processing your claims, protecting against fraud, maintaining security, confirming your identity and offering you other insurance and financial products.
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Finding property damage can be stressful. But you’ve got this. And we’re here to help.
We’ll let you know we received your claim, and who to speak with if you have questions.
We’ll assign your home & property claim to a claim handler (or team) to manage it, and guide you through the process.
Try to be available to answer questions and provide your handler with additional details about your claim.
Your claim handler will determine if your claim is covered, and the cost of any covered damages. If you’re due a settlement, your claim handler will work to get you your money, less your deductible, as quickly as possible.
If you’re the payee, you may be able to specify if you’d like to receive payment by check or direct deposit.
And if you haven’t already, you’ll probably need to find contractors to complete repairs, sign repair contracts, and submit invoices, if applicable.
If you’re entitled to a settlement, State Farm® will issue it to you, or a service provider, according to your claim and policy details.
No two claims are exactly alike. Here’s a list of some of the things that are and are not typically covered by home & property insurance. Check your policy or ask your agent to find out what your policy covers.
It’s up to you to decide when to file a claim. But remember, you have insurance to help with the repair or replacement when covered losses occur.
Policy benefits may include:
Have questions? Talk it over with your State Farm agent.
Here are some of the signs of wind or hail damage:
A State Farm representative can explain the difference between normal wear and damage.
File your claim as soon as possible after you find damage.
When it comes to stolen property, you need to act fast.
Your property could be covered when you’re on vacation, in your car, or just away from your home.
File your claim as soon as possible after you realize someone stole your property.
Filing a stolen property claim is fast and easy.
Water damage isn’t always easy to spot, but here are some signs you might have a problem:
Visit Roof Claims to learn how to select a roofing contractor, what’s typically included in a roof repair estimate, and more.
Understand Your Property’s Valuation
Depending on your policy, coverage for personal property can be on an actual cash value or replacement cost basis.
Actual cash value is the value of the damaged part of the property at the time of loss. It is defined as replacement cost less depreciation.
Replacement Cost means the cost to repair or replace property with a comparable item.
Review your policy or speak with your agent if you aren’t sure how we’re covering your personal property.
Unless it’s excluded in your policy, a homeowners policy typically covers accidental direct physical loss, meaning happening by chance, to your dwelling, other structures, personal liability and medical payments to others.
Homeowners policies also provide personal property coverage for specific incidents, including but not limited to:
You can choose to receive your payment via electronic fund transfer, direct deposit or paper check.
Your premium won’t necessarily go up after you file a home & property claim, but it might. It’ll depend on several factors, including the claim details, how much your property will cost to repair or replace, and how many claims you’ve filed in the past. Speak with your agent to determine if your premium is likely to go up because of your claim.
You’ll be responsible for your deductible amount for covered damages up to the limit of your policy. Your Insurance policy won’t cover any expenses beyond your coverage limits, however.
It depends on the type of claim and your liability coverage and will need to be determined during the investigation stage of your claim.
If coverage does not apply for a particular claim, we’ll send you a written letter explaining the specific policy language responsible for the denial of your claim.
Yes. In addition to your dwelling, State Farm homeowners insurance covers other structures located on your residence premises that are separated by clear space from the dwelling. Your policy typically covers other structures at 10% of your dwelling coverage.
This includes, but isn’t limited to:
Note: This contains only a general description of available coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. For further information, see your State Farm agent.