Insurance Claim Checklist: What to Gather Before You Call
Filing an insurance claim can feel stressful, especially when you're dealing with unexpected damage, an accident, or a stressful life event. Whether it's a home, auto, or business insurance claim, being prepared before you make the call can save time.
At Rumbaugh Insurance, knowledge and preparation are key to a successful claims experience. That's why we have created this easy-to-follow insurance claim checklist outlining precisely what you will need. Here is what to do before contacting your provider.
Why Preparation Matters When Filing an Insurance Claim
When filing an insurance claim, the details matter. Missing information can slow the process, delay payments, or even lead to claim disputes. By having the proper documentation and facts ready, it will ensure:
Faster claim processing
Clear communication with your adjuster
Accurate coverage review
Fewer follow-up requests
A little preparation upfront can make a big difference in the end.
Insurance Claim Checklist: What to Gather First
Before you call to file your insurance claim, gather the following items.
Your Policy Information
Start with the basics. Have your insurance policy details ready so you can provide them easily.
These include:
Policy number
Type of coverage (auto, homeowners, renters, business, etc.)
Named insured(s) on the policy
This will help your insurance representative quickly access your coverage and guide you through the following steps.
Date, Time, and Location of the Incident
Be ready to explain exactly what happened, where, and when. This information will help determine coverage eligibility and ensure the claim is recorded correctly.
You will need to provide:
Exact or estimated date and time
Address or location of the incident
Weather conditions, if relevant
Detailed Description of What Happened
Now is when you get down to the details. Clarity is essential when you file an insurance claim. Before you call, write down a brief, detailed description or bullet points of what happened during the event. Doing so will ensure nothing is overlooked that could benefit your claim.
Consider:
What caused the damage or loss
The sequence of events that occurred
Any actions taken immediately after the incident
Sticking to clear, factual details helps avoid confusion later.
Photos and Videos of Damage or Loss
Always take videos and photos of the incident. If you are unable to, check whether there are any nearby security cameras. Visual documentation is one of the most essential parts of an insurance claim. Take videos and photos as soon as possible if it is safe to do so.
Capture:
Overall views of the damage
Close-ups of affected areas
Serial numbers or identifying features for valuable items
Nearby surroundings
Keep these files organized and backed up digitally for easy access.
Police or Incident Reports (If Applicable)
For auto accidents, theft, vandalism, or major incidents, a police or incident report may be required.
Have available:
Report number
Name of responding agency
Officer's name, if known
This documentation adds credibility and helps support your claim.
Contact Information for Involved Parties
If other individuals or businesses are involved, gather their information in advance at the incident.
This will include:
Names and phone numbers
Insurance company and policy details
Vehicle or property information
Accurate contact details help streamline communication between all parties.
Inventory of Damaged or Lost Items
For property-related insurance claims, creating an inventory is critical.
Include:
Description of each item
Approximate age and condition
Estimated value or purchase price
Receipts, if available
The more detailed your inventory, the easier it is to fairly assess your loss.
Temporary Repairs and Expenses
If you had to make emergency repairs before your claim to prevent further damage, keep records of those expenses.
Save:
Receipts
Invoices
Contractor estimates
These costs may be reimbursable under your policy.
What Happens After You File Your Insurance Claim?
Once you submit a claim, an adjuster may be assigned to review every detail. They will inspect damages and determine coverage. Having all your information ready helps this process move faster and minimizes back-and-forth communication.
At Rumbaugh Insurance, we are here to support you every step of the way, before, during, and after a claim is filed.
How Rumbaugh Insurance Can Help
Filing an insurance claim doesn't have to be stressful. At Rumbaugh Insurance, we will help our clients throughout the process to ensure a smooth insurance claim. We put your best interests first in finding the right insurance policies to cover what matters most. We are ready to support you when an incident strikes.
If you have questions about your coverage, need help preparing for a claim, or want guidance after a loss, our experienced team is ready to help. Contact us today to set up an appointment.