How to File a Renters Insurance Claim

Filing a renters insurance claim is generally unpleasant, but it does not have to be. You paid for the coverage and so it should be there for you when your hour of need arrives. This is your home, and you want restitution when an unfortunate event, accident or loss occurs. Here are some ways to help you file a renter's insurance claim.

Things You'll Need

• Telephone
• Insurance Card
• Policy Number
• Computer

Instructions

1. Document all your losses as best as possible when you start to file a claim. Make a list of loss of material items, or describing the accident. Use as much detail as possible. Include photographs, video and witnesses if possible.

2. Consult the back of your renters insurance card. There should be a telephone number listed that is dedicated only to claims related issues. If you cannot find a claims number on there, try your actual renters insurance policy or insurance agent.

3. Call your renters insurance customer service line or go online if you have that capability. If you call, be prepared to be on hold and have your policy number and details ready. In the case where you have an agent, just call the agent directly and let them assist you in your renters insurance claim.

4. Some renters insurance policies allow members to start or file claims on the Internet. If that is the case, consult your policy for the insurance company's website and then look for "file claim" or "claims" on the website menu. Make sure you print all information related to your case.

5. Have that list of the losses that you will provide for the renters insurance representative. If you suffered a loss of belongings or damage of any sort, be prepared to state the approximate value and how the loss occurred. This could be due to fire, flood, theft or accident. Be sure to list everything. Ask for a claim reference number before you disconnect the call, as well as the first name and last initial of the person you spoke with. This will expedite your renters insurance claim.

6. Set up a time at some point, for the renters insurance adjuster to come and view the damage. Supply photographs, lists and any other documentation at that time if not already submitted by mail or fax.

7. Do not sign any documents or accept any settlements until you have explored all avenues, including knowing the replacement values of items lost or damaged.

8. Do not forget you will most likely have a deductible that you are responsible for in your renters insurance. Make arrangements to pay that either by check or credit card.

Tips & Warnings

• Try to call during off-peak hours such as mid-morning or after 7 p.m. on the weekdays so you will spend less time on hold.

• Document everything in a notebook or a recording device.

• Do not use a cell phone to file your claim if you have a limit on your minutes, as you may be on hold for several minutes.