An Allstate insured home

What to Expect from Allstate Claims

An Allstate claims representative accessing the damages to a home following a storm If you're filing a homeowners claim, you might already be facing difficulties. Our job is to make it easier for you to get back to your life. Below is an example of a typical claim process. The steps your claim representative takes in handling your claim will vary depending on the type of loss.

1. Establish what happened.

  • Gather the facts from everyone involved
  • Determine if coverage applies and the corresponding limits
  • Decide who is liable
  • Investigate and resolve any discrepancies

2. Inspect and estimate damages.

  • Inspect the home and identify related injuries, if applicable
  • Prepare an estimate and determine if the home will be
    repaired or replaced
  • Discuss repair options if the home is repairable
  • Determine value if the home is a total loss

3. Complete the claim process.

  • Pay for home repair, or pay for reimbursement of the home, subject to your policy limits
  • Finalize all necessary paperwork


If you have any questions about the process, you should contact your
Allstate Agent or an Allstate claim representative.

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