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Washington State Office of the Insurance Commissioner

What to expect after you file a homeowner insurance claim

You'll need to try and stop any further damage to your home. Be sure to take photos to document the damage. You'll also want to keep track of your expenses - your insurer may reimburse you.

What to expect from your insurer

Your company will send an adjuster to determine the damage.

Then the discussion on who you'd like to do the work starts.

In general, your insurer must complete its investigation of your claim within 30 days from the date you file the claim.

What you need to do

  • Stay involved.
  • Don't expect your adjuster to be your general contractor.
  • Stay in contact with both your adjuster and contractor.
  • If something doesn't make sense, ask questions.
  • Talk with your insurer.
  • If you notice problems with your claim, call us at 800-562-6900 - we can help you understand your insurance coverage and your rights.

What you need to know about hiring a general contractor




Updated 04/16/2012

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Need more help? Call our FREE Insurance Consumer Hotline at 1-800-562-6900
or Email us at cap@oic.wa.gov.