What's the step-by-step process to file a homeowners insurance claim after damage?

First ensure safety and make reasonable temporary repairs to prevent further damage, like tarping a roof; keep those receipts since the policy usually reimburses them. Document everything with photos and video before cleanup, and create an itemized inventory of damaged items with approximate values. Then report the claim promptly to your insurer, as delays can jeopardize coverage.

An adjuster will inspect and estimate the loss. Get your own repair estimates to compare, and don't accept the first offer if it seems low. Keep a written log of every call and adjuster name. If your policy is replacement cost, you often receive actual-cash-value first, then the rest after you complete repairs and submit final invoices. Understand your deductible before you file.