How to File a Home Insurance Claim in Greenwood, Indiana
- Nate Jones, CPCU, ARM, CLCS, AU
- 5 days ago
- 2 min read
When disaster strikes—whether it’s storm damage, a burst pipe, or theft—knowing how to file a homeowners insurance claim quickly and correctly can save you time and stress. Here’s a step-by-step guide for Greenwood homeowners.
1. Assess the Damage and Stay Safe
Before anything else, make sure your family is safe. If the damage involves electrical hazards or structural issues, contact emergency services or a licensed contractor immediately.
2. Document Everything
Take clear photos and videos of the damage from multiple angles. Make a list of affected items, including their estimated value.
Tip: Keep receipts for repairs or temporary accommodations—they may be reimbursable.
3. Contact Your Insurance Company Promptly
Most insurers require claims to be filed as soon as possible. Provide:
Policy number
Date and cause of loss
Description of damage
Supporting photos and documents
4. Prevent Further Damage
Insurers expect you to take reasonable steps to prevent additional damage. For example:
Tarp a damaged roof
Shut off water to prevent flooding
Board up broken windows
5. Meet with the Adjuster
Your insurance company will send an adjuster to inspect the damage. Be prepared with your documentation and ask questions about coverage limits and timelines.
6. Review Your Policy
Understand what’s covered and what’s excluded. Common covered perils include fire, wind, hail, and theft. Exclusions often include flood damage unless you have a separate policy.
Common Mistakes to Avoid
Waiting too long to file
Failing to document damage
Making permanent repairs before the adjuster visit
Ready to Protect Your Home Before the Next Storm?
Wexford Insurance partners with top carriers to provide customized home insurance for Greenwood homeowners—so you’re covered when you need it most.
👉 Get Your Free Quote Today and secure peace of mind.
