What Are the Steps When I Need to File an Insurance Claim?
Whether it’s a fender bender, storm damage, or a burst pipe, accidents happen—and when they do, filing an insurance claim can help you recover. But many people aren’t sure what to expect or how to start. In this post, we’ll walk you through the steps of filing an insurance claim and how Hixson & Malinowski Insurance can support you along the way.
Step 1: Make Sure Everyone is Safe
If the situation involves any danger or injury, the first priority is safety:
Check for injuries and call 911 if needed
Move to a safe location if possible
If there’s property damage, try to prevent further harm (e.g., turning off water or electricity)
Your well-being always comes first.
Step 2: Document the Damage
Once it's safe to do so, begin documenting the situation:
Take photos or videos of the damage
Note the time, date, and details of the incident
If other parties are involved (like in an auto accident), exchange contact and insurance information
This documentation will be valuable when your insurer reviews your claim.
Step 3: Contact Your Insurance Agent
Call or email your insurance agent as soon as possible. At Hixson & Malinowski Insurance, we guide you through this step and help you:
Understand your coverage and deductible
Start the claim process with the appropriate insurance carrier
Answer any immediate questions you may have
We work with you directly to make the process smooth and stress-free.
Step 4: File the Claim
Depending on the situation, your claim can usually be filed online, through a mobile app, or by phone. You’ll typically need to provide:
Your policy number
Date and description of the event
Photos or supporting documents
A police report, if applicable (especially for auto accidents or theft)
Your insurance carrier will confirm receipt and assign a claims adjuster to review your case.
Step 5: Work with the Claims Adjuster
An adjuster may contact you to:
Ask additional questions
Schedule an inspection or visit your property
Estimate the cost of repairs or replacement
Be honest and thorough in your communication. Keep records of all correspondence and documentation shared with the adjuster.
Step 6: Review the Settlement
Once the investigation is complete, your insurer will provide a settlement offer. This may include:
Funds for repairs or replacements
Coverage for temporary living expenses (for home claims)
Reimbursement for related costs, depending on your policy
Review the offer carefully. If you have concerns, your agent can help you understand it or negotiate further.
Step 7: Repair and Rebuild
After accepting the settlement, you can begin repairs. Choose reputable contractors or body shops—some insurers have preferred providers. Keep all receipts and invoices for your records.
How Hixson & Malinowski Insurance Can Help
Filing a claim can feel overwhelming, but you’re not alone. At Hixson & Malinowski Insurance, we:
Help you understand your policy and what’s covered
Guide you step-by-step through the claims process
Advocate on your behalf with the insurance company
We’re a local agency that cares about our Parma neighbors and beyond—your peace of mind is our priority.
Knowing what to expect when filing an insurance claim can make a stressful situation more manageable. By following these steps and working with a supportive agency like Hixson & Malinowski Insurance, you can get back on track quickly and confidently.
