Insurance Claims 101: Initial Steps After an Injury or Loss

Experiencing an injury, property loss, or damage can be overwhelming. Whether it’s from a fire or accident, knowing what to do in the immediate aftermath can make a huge difference in how smoothly your insurance claim process goes. Here’s a quick guide to help you stay organized and protect your rights.

Step 1: Ensure Safety

Your first priority is always safety — for yourself, your family, and anyone nearby. Move to a secure area and avoid re-entering any damaged structures until authorities say it’s safe.

Step 2: Contact Local Authorities

Notify the police or relevant local authorities and get a copy of the report. Your insurance company may require this documentation as part of your claim.

Step 3: Notify Your Insurance Company

Report your loss or injury as soon as possible, within the time frame required by your policy. Early notification helps prevent delays and ensures the claim process starts promptly.

Understand Your Policy

Before you move forward, take time to review your insurance policy carefully.
Know the details of:

• Coverage: What’s included and what’s excluded

• Limits: The maximum amount your policy will pay

• Deductibles: What you’re responsible for out-of-pocket

• Claim process: Required forms, documentation, and deadlines

If anything is unclear, ask your insurance agent or lawyer to explain it in plain language.

Document and Organize

Strong documentation can make or break your claim.

• Take photos and videos of all visible damage

• Keep receipts for repairs, temporary accommodations, or medical treatments

• Create a detailed inventory of lost or damaged items (include descriptions, prices, and purchase dates)

• Maintain a claim file with your police report, correspondence with your insurer or attorney, and a copy of your insurance policy

Business & Home Coverage Tips

For business owners:

• Ask about business interruption coverage to recover lost income.

• Keep backups of critical data and maintain a list of key contacts for vendors, employees, and clients.

For homeowners:

• Check if your policy includes additional living expenses (ALE) coverage for temporary relocation and essential needs while repairs are underway.

Returning Home

Once authorities and your insurer give you the go-ahead:

• Assess and document any additional damage before starting repairs.

• Begin repairs only after your insurer approves. Keep all receipts for materials and labor.

• Stay informed by maintaining regular communication with your insurance adjuster for claim updates.

Final Thoughts

Filing an insurance claim can be complex — especially when you’re dealing with the emotional toll of loss or injury. Taking these initial steps will help you stay organized, protect your rights, and set the stage for a smoother claims process.

If you’re unsure about your coverage or run into issues with your insurance company, consider speaking with an attorney experienced in insurance and disaster recovery claims.