When disaster strikes — whether it’s a storm, fire, theft, or water damage — filing an insurance claim can feel overwhelming. This guide breaks down the process step-by-step to help you navigate it with clarity and confidence.

1. Act Quickly and Safely

Your first priority is safety. Once the danger has passed:

• Check that everyone is safe and that it’s safe to re-enter your home.
• If needed, contact emergency services or utility companies to secure your property.

2. Contact THORE

Call THORE or log into www.thore.com:

• Report the claim (provide date/time/type of loss)
• Get your claim number
• Ask about next steps, like temporary repairs or housing

Tip: Choose your contractor carefully. Look for professionals who are licensed, insured, and have strong local references. It’s wise to get at least three written estimates before making a decision.

3. Document the Damage

Before you clean up, take photos or video of:

• Damaged areas and personal property
• Any visible signs of how the damage occurred (e.g., broken windows, roof holes)
• Serial numbers or labels if applicable

Tip: Keep a written list of damaged items, including brand names, models, and approximate value.

4. Make Temporary Repairs

Prevent further damage by:

• Tarping roofs or broken windows
• Shutting off water to prevent leaks
• Removing water-soaked items that can cause mold

Save receipts for all temporary repairs — they may be reimbursable.

5. Work with the Adjuster

Your insurance company may assign a claims adjuster to inspect the damage:

• Be present during the inspection if possible
• Provide documentation and your home inventory
• Get clarification on what is and isn’t covered

Tip: Keep a notebook of all calls, names, and claim-related updates.

6. Receive Your Claim Decision

After your claim is reviewed, you’ll receive a claim decision based on:

• Your policy
• Your damages

You may receive multiple checks:

• One for immediate needs or temporary housing
• One for repairs or property replacement
• One for recoverable depreciation after proof of replacement

Final Tips

• Understand your coverage and deductible
• Keep all receipts and communication records
• Use licensed and insured contractors
• Communicate regularly with your adjuster and insurer

The claim process is your path to recovery — stay informed, organized, and proactive.

Disclaimer: This article is provided for informational purposes only. Policy terms, coverage, and procedures may vary. Always refer to your individual policy documents. This article does not waive or alter any terms or conditions of your insurance policy.