Need Help Now? Navigating the Claims Process

The claims process can be complicated and overwhelming, especially if you have lost important photographs, receipts, and other vital documents in a disaster. In addition, you may have to file a claim with several different companies if you have separate carriers for homeowners, flood, and automobile insurance.

Most states have laws on how you and your insurance company should conduct the process of filing a claim and resolving the claim. Insurers are usually required to make a written settlement offer within 30 days of receiving a claim, provided the customer has submitted satisfactory proof of loss.

Fortunately, FEMA and many state insurance regulators make guidance for the claims process available on their websites. We've also organized this section to help you quickly learn about claims-related topics and get answers to your specific questions.