How to File State Farm Insurance Claims


When disaster strikes your home or business, it can all seem so overwhelming. It’s a challenging situation that calls for strong support and professional backup. You have both with our teams here at ServiceMaster Restoration by Zaba and your State Farm agent.

To help you navigate fire damage and water damage claims, we’ve developed this overview with input from our State Farm colleagues. When you’re prepared and know what to expect, you can handle the process with confidence.

Understanding Your State Farm Insurance Coverage

It’s important to be proactive about protecting your property with the right insurance. If you haven’t looked at your policy in more than a year, give your State Farm agent a call. After reviewing the details, you can better adjust coverage as needed because you know how your policy works.

Understanding State Farm Water Damage Coverage

As you review your policy, verify coverage for burst pipes, sewage backups, sump pump failure and similar water-related damage. If you own a condo, find out what kind of coverage might be provided by the owner’s association.

While most water damages are covered by State Farm, flood insurance must be obtained through the National Flood Insurance Program. Your agent can help determine if you need the coverage provided by an NFIP policy.

Filing State Farm Insurance Claims

Whether you’re filing a fire damage or water damage claim, contact your State Farm agent right away. Be certain you know the source or cause of damages. Guessing can complicate and slow down the claims process. These five steps lay out what you should do and what you can expect.

1. Start by Taking Notes

When you call your agent, you’re given contact information for a mitigation company as well as your insurance claim number. Write down the information, keep it handy, and make arrangements with the mitigation company to inspect your property and belongings.

2. Document the Damage

Take an inventory of damages by documenting losses with photographs. Save the images as digital files for fast access. Round up any receipts for damaged belongings, and add them to your documentation materials.

3. Be Ready for Assessments

The mitigation company specializes in damage cleanup and restoration. Their teams perform an on-site inspection to assess damages, and your State Farm adjuster also inspects the property. You should know what is and isn’t covered because of your annual policy review with your agent.

4. Consult With the Adjuster

As the adjuster inspects your property and belongings, share your documentation materials. You may have useful information that the adjuster can factor into the final figures used in calculating a fair reimbursement.

5. Finish Up With the Restoration Process

The mitigation company sends in certified technicians who clean all affected areas, tear out damaged materials and finish up the job with repairs and restoration. Often, the process involves heavy equipment, so expect some disruption from loud noises that can disturb family and pets.

You Can Count on Us

Because of our Preferred Vendor status, we enjoy a strong partnership with State Farm. We have years of experience helping property owners navigate water and fire damage claims. Many of our customers ask their insurance company for our services by name, and we’re proud to have earned their trust.

We’re ready to work with you and your insurance company so that you can get your life back to normal as quickly as possible. When disaster strikes, you can count on our professionals here at ServiceMaster Restoration by Zaba.