Before you file your claim
Do I need to 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.
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.
Information you’ll 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
1. File and track
After you file, you’ll get a claim number to track its progress.
log in2. Get damage inspected
We’ll work with you to make sure damage is properly assessed on covered damages.
3. Review estimate
Your damage estimate and any claim payments are based on the details of your homeowner’s insurance policy.
4. Get your home repaired
Choose a vendor from Allstate's Good Hands® Repair Network – and we’ll work directly with them throughout the repair process. Or, you can work with a contractor outside of our network to handle your repairs. Whichever way you decide, learn more about finding a contractor here.
5. Receive claim payment
Allstate will either pay your claim directly to repair vendor or send you the money for the estimate on covered damages.
Was your home affected by a natural disaster?
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 centersHome 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.
Even if there’s minimal damage on 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.
It depends. Check your policy to see if you have additional living expense coverage. If you’re unable to stay in your home due to a covered loss, this helps cover related costs such as hotel bills or other increases in your normal living expenses. Get to know your coverage limits.
Typically, this is covered by the dwelling protection coverage in your homeowners insurance policy. Coverage for burglaries may include damage to your home caused by a break-in and stolen property, up to the limits stated in your policy.
Also, 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.
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.
Learn about working with a contractor here, then visit Allstate's Good Hands® Repair Network website. If you’ve already filed a claim, you can ask your representative about the network and participating contractors.
Ready to file or track?
Still need help? Visit Allstate’s support page for further guidance and information.