For Consumers

Your homeowner claim responsibilities and rights

Insurance is something you hope you never have to use, but if you should ever need to file a claim after experiencing a loss, it's important to understand your rights and responsibilities for the claims process.

Your responsibilities

  • Cooperate with the investigation.
  • Be ready to prove the loss - show your receipts.
  • If you don't have receipts, show photos of the damaged or missing items.
  • Submit the information your company requests in a timely manner.
  • Keep complete copies for your reference.

Your rights

You're entitled to:

  • A clear explanation of what's covered.
  • An itemized statement outlining how the company will pay your claim.
  • A prompt response from the company.
  • Timely payments and a claim decision.
  • An appraisal if you disagree with the amount of your loss.
  • You can work with the adjuster your insurance company sends or you can hire a public adjuster (a licensed person who works on your behalf to appraise and negotiate your property-insurance claim).

NOTE: Before you hire a public adjuster, make sure they are licensed in Washington state and shop around as rates may vary from adjuster to adjuster.