Before you file
Should I file a claim?
After damage to your home, your policy requires you to let us know. If you choose not to file, there’s a risk that you could lose coverage for damage discovered later. Allstate makes it easy to file your claim and get back to normal in no time.
Is there anything I need to know?
Keep in mind these key points before you file a claim:
- You’ll need to pay any applicable deductibles, or your out-of-pocket expenses, before your home insurance coverage from Allstate will kick in. Go to My Account for more information on your deductibles.
- Your premium, or the amount you pay for your policy, may increase due to a loss.
What information do I need to file a home insurance claim? What if I don’t have everything I need?
You may need the following to start your claim:
- Contact information for contractors already involved
- Notes on what is damaged and the potential cause of damages to your home or personal property
- Photos of damages
- Date of occurrence
- Weather conditions that may have had an impact
Start your claim with any details you have so far. You can always contact your Allstate Claim Representative later through My Account as you gather more information.
What to expect when you file a claim
File and track
After you file, you’ll get a claim number to track its progress.log in
Get damage inspected
We’ll work with you to make sure damage is properly assessed.
Your damage estimate and any claim payments are based on the details of your homeowner’s insurance policy.
Get your home repaired
Choose a repair vendor from our Allstate’s Good Hands® Repair Network and we’ll work directly with them throughout the repair process. If you’d prefer, you can also select a contractor outside of our network to handle your repairs.
Receive claim payment
Allstate will either pay your claim directly to repair vendor or send you the money for the estimate.
Was your home affected by a natural disaster? Get the support you need to move forward.
Filing a claim after a natural disaster can feel overwhelming, whether it’s a major storm, hurricane or wildfire. Get support quickly and conveniently with Allstate mobile claims centers. We’re here to help you pick up the pieces.Mobile claim centers
Home insurance claims FAQS
When filing a claim for a covered loss, your deductible is the set cost you’ll pay before your policy kicks in. Home insurance may have different deductibles for different coverages. If you suffer two losses at the same time, you may have to pay more than one deductible.
A limit is the amount of coverage you have and the maximum amount your policy will pay for a covered claim. Each coverage in your insurance policy has a limit. To check your limits, refer to your Policy Declarations under the Coverage and Applicable Deductibles or Scheduled Personal Property section.
This depends on the details of your claim, but you can help move the process along by providing all necessary information. Once your claim has been filed , an Allstate representative will let you know about how long the process will take.
Your insurance premium may increase due to a claim.
Review your coverages regularly to make sure they meet your needs. You can log into My Account to see all your coverages, limits and deductibles.
After damage to your home, your policy requires you to let us know. If you choose not to file, there’s a risk that you could lose coverage for damage discovered later.
In some cases, your claim representative can provide you with an estimate without visiting your home. If you do need to make an appointment with a claim adjuster, they can usually give you an estimate once they’ve inspected your home.
Yes. Your policy requires you to file a police report for theft.
Yes, you may need to provide proof of ownership. These can include receipts, owners' manuals, warranty cards, appraisals, photos or original manufacturer's packaging. Use MyClaim to keep track of your records and submit information related to your claim.
If the tree caused damage to your home, this scenario is typically covered by your home insurance policy's dwelling protection coverage. Get more information about what may and may not be covered.
Public adjusters are independent claim adjusters not associated with or paid for by Allstate. As an Allstate customer, you don't need to hire a public insurance adjuster to settle your insurance claim.
Standard homeowners, renters or condo insurance policies do not typically cover flood damage. You may already have or be able to buy a separate flood insurance policy to help protect your home and your belongings.