How to File Farmers Insurance Claims

state farm insurance claims

It’s hard to deal with the aftermath of water or fire damage to your home. So much needs to be done right away. You’re not sure how or where to start. One thing you do count on is coverage from homeowners insurance.

When was the last time you took a good look at your policy?

We work with Farmers Insurance on a regular basis helping people restore their property after a disaster. We often assist homeowners who aren’t familiar with their coverage or the claims process. That’s why we’ve developed this overview with input from our friends at Farmers.

Understand Your Homeowners Policy

Handling a fire or water damage claim starts with understanding your policy. Call your Farmers agent, and go over your coverage. If you live in a condo, find out what kind of coverage you have through the homeowners association.

Check in with your agent once a year to keep your policy up to date. He or she can help you make the right decisions about modifying coverage as needed to reflect any changes in your home.

Confirm Your Farmers Water Damage Coverage

Typically, damages caused by plumbing problems like sewage backup, faulty sump pumps and burst pipes are covered by your homeowners policy with Farmers. Flood insurance for natural disasters must be obtained through the National Flood Insurance Program.

Ask your agent for advice on whether or not you need this special type of flood coverage.

How to File a Farmers Insurance Claim

It’s very important to contact your agent as soon as possible after any type of fire or water disaster. Be ready with basic information including the exact cause of damages. These five points cover what to do and what to expect.

1. Save Important Numbers

Your agent assigns a unique number to your claim, so keep it handy. You can use it to track your claim’s progresson Farmer’s site. Your agent usually recommends a restoration contractor, so save that contact information too.

2. Document and Inventory

Take pictures of all damaged areas and belongings. Gather receipts for as many items as possible, and start a file for your documentation. Use the information to develop an inventory that can assist the adjuster during inspection.

3. Arrange for Inspections

Make arrangements for both the restoration company and Farmers to inspect your damaged property and belongings. The restoration teams are usually first on the scene and provide you with a detailed quote for cleanup and mitigation. Keep their paperwork with your documentation.

4. Share Information With the Adjuster

When the adjuster arrives, have your documentation files and restoration quote handy. As he or she inspects damaged areas and belongings, share your inventory, pictures and receipts. Your additional information can help the adjuster make an accurate damage assessment.

5. Finish With the Restoration Contractor

The restoration contractor assigns industry certified technicians to your property for cleanup, repairs and mitigation. Most fire and water damages must be addressed with heavy equipment, so expect some noise and disruption during this final stage of the recovery process.

We’re Just a Phone Call Away

Because of our Preferred Vendor status, we work closely with Farmers Insurance on a regular basis. Many of our customers ask their agents for our services by name because we offer years of experience helping homeowners navigate the claims process.

When you face the damages and aftermath of a home disaster, you want the very best restoration company in Chicago and the suburbs. Our teams here at ServiceMaster Restoration by Zaba are always just a phone call away.