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Home + Property Claims

If you have a claim, it's helpful to understand what happens during the claim process.

1. Report

File a Claim

2. Review

  • State Farm will
    • Review claim details
    • Request an inventory of property damage
      • Photos
      • Brand names
      • Model numbers
      • Age
      • Purchase price
      • Place of purchase
      • Other information may be needed
    • Assess damage
    • Explain your coverages and endorsements
    • Discuss next steps
    • Provide advance payments if applicable (for additional Living expenses, for example)

3. Estimate + Repair

  • Work with your claim associate to estimate repairs (your contractor can also give an estimate)
  • Review estimate and authorize repairs
  • Keep receipts for temporary repairs, additional living expenses, and other claim-related costs

4. Payment

5. Resolve

  • Subrogation (If we need to work with at-fault parties to recover payments)

Track Your Claim Online


Your claim team and agent are always available to answer questions and explain the claim process.