![]() ![]() Include as much detail as possible, like where and when the item was purchased, the cost, brand name and model. If you do not have a home inventory, begin making a list of items going room by room from memory. You will be asked to list all items destroyed, damaged or missing.If you cannot find the company or agent’s number, call the Utah Insurance Department at 80 or 80 or use our Licensee Search tool. Call the company or visit a mobile claims center to start your claim.The process will go faster if you can locate a copy of your policy and home inventory. ![]() Most insurance companies have a time requirement for filing a claim.Homeowners and renter’s insurance generally provide limited coverage for expenses like meals, rent, utility installation and transportation. If you need to find other lodging, keep records of expenses and all receipts.Whether you make the repairs or hire someone, save the receipts for your claim. If you can still live in the home, talk with your agent about critical repairs that need to be made.Many policies include reimbursement for storage costs incurred until your home is repaired. Do not dispose of property until an insurance adjuster has reviewed it for your claim. Take photos of the damage and remove personal property if your home cannot be secured. To protect your property from further damage, you should make temporary repairs or arrange for a qualified professional to do so.The National Association of Insurance Commissioners (NAIC) offers this overview of what you might expect and what you will need to file a claim after a disaster. Dealing with your insurance claim - whether you are a homeowner or a renter - will be emotional, but should not be difficult. The hours following a disaster at your home will be stressful and heartbreaking. What to Expect When Your Home is Damaged in a Disaster
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