Everything You Need to Know About Filing a Home Insurance Claim
December 2, 2021 3 minute read

Your home is likely one of your biggest assets. With such a valuable investment, it can feel like the end of the world when something bad happens. 

At Chalmers, we’ve helped hundreds of people like you navigate the claims process. Half of the stress of a claim is in the unknown of what to expect. We invite you to get familiar with the steps below, so you can relax a little on the road to returning your home to normal. 

Step 1: Stop Any Further Damage

If you’re in the middle of a catastrophe, the first thing you’ll want to do is try to stop any further damage. Make sure you, your family and pets are safe, and then do your best to stop any further damage. Be sure to save any receipts/invoices/pictures of initial damage you may acquire from the cleanup work so you can submit them later as part of the claim.

Step 2: Gather Information

Take detailed notes of what happened, what was damaged and if anyone was involved. Take multiple pictures from as many different angles as possible. If your home is burglarized, you'll also need to file a police report. The more detailed information you have, the easier the insurance claims process will be down the line.

Step 3: Call Your Insurance Agent

If you’re planning on filing a claim, contact us as soon as you are able to. We will gather the information you collected, ask you a few questions, and then get to work on filing the claim with your insurance carrier. Our Claims Specialists will help you determine how much of the damage is covered, what your deductible is, and whether you're better off paying for the damage out of pocket. (Yes, sometimes this can actually save you money in the long run.) 

Our office hours are Monday through Friday, 8 a.m. - 4:30 p.m.  If our office is closed, and you need immediate claims service, please follow the prompts and leave us a message on our 24/7 support line. Our system is monitored and a claims specialist will return your call as soon as possible.

While we obviously hope you never have to file a claim, if you do, we recommend staying as calm as you can. We're here to help you every step of the way and promise to always advocate for prompt and fair resolution of your covered claims. 

Back to Learning Center

"Chalmers Insurance is staffed with local people. These are people I see at the grocery store and know by name. I place complete trust in these neighbors to look out for my best interests with Chalmers insurance products or services."
- Tim P.
"The customer service Chalmers provides is outstanding. Imagine calling an insurance agency and feeling better than before you called. I'll never switch."
- Melissa E.
"Your agency takes good care of us with your dedication, love, and care."
- Customer since 2007
"Chalmers Insurance has always had our backs. They are respectful and so pleasant to work with. We are so thankful for having them in our lives!"
- Angelo C.
"Chalmers is always so helpful and always accommodates our requests with professionalism and humor! "
- Robert H.
"The Chalmers Group was super friendly, energetic and somehow made me feel happy about purchasing insurance, something I thought I would never say in my life. They were kind, honest, and more than you could wish for while shopping for something as mundane as insurance. Six out of five stars. "
- Jordan P.
"Chalmers was excellent throughout the process. They improved our coverage and ultimately reduced our premium. My agent communicated where there were differences and prepared a nice comparison of coverage. I was happy to place our coverage with Chalmers. "
- Susan A.
"Chalmers was quick to help me with a problem; my agent was knowledgeable and super supportive. I appreciate the professionalism and sense of humor. Overall, it was a wonderful experience. "
- Jan H.
"Chalmers walked me through everything in detail. They were fast to respond, friendly and knowledgeable."
- Sean G.
"My Chalmers agent was very helpful, knowledgeable, and patient with the process. To sum it up, the only thing better than my Chalmers agent would be two of her. "
- Richard S.
"Chalmers made it super simple and I had coverage before my lunch break was over. I was very satisfied. "
- Geoffrey P.
"My Chalmers agent answered all of my questions, explained insurance jargon to me, and was polite and knowledgeable. "
- Jennifer T.
"I appreciate how friendly the Chalmers Group is when I talk to them. They always have a positive attitude. "
- Amanda H.
"Always available and always kind. Chalmers works to find solutions."
- Elaine C.
"I appreciate being able to talk to an actual person who is both knowledgeable and helpful."
- Duke M.
"Helpful, knowledgeable staff that truly cares and takes the time to make a personal connection!"
- Aaron C.
"My interactions with Chalmers have always been flawless: quick, informative, highly professional. Having my home insured with Chalmers makes me feel good!"
- Client since 2016