How to File a HOME Insurance Claim

step 1: step 2: step 3: step 4:

Call your agent or Make any temporary After you have filed your When it comes to
insurance company repairs necessary to claim, the insurance paying your claim, you
to start your claim. keep your property company will arrange to may receive multiple
from receiving further send a claims adjuster checks. The payment for
damage. Save receipts to your home to assess the contents or personal
to mitigate damages. the damage. property will be made
Before moving any Obtain repair estimates out to you. However, if
debris or removing from trusted local there is a mortgage
damaged belongings, contractors to help when on your home, the
make sure to take photos you’re speaking with the payment for the
or video of the damage. insurance adjuster. structural damage may
Make a list to document be payable to you and
these losses. your mortgage holder.
Do not make any
permanent repairs until
the insurance company Still have questions?
reviews the damages. CALL CONSUMER ASSISTANCE
1.800.522.0071
OID.OK.GOV
How to File an AUTO Insurance Claim
step 1:
Call 911 if someone has
a life-threatening injury.
If there’s no emergency,
call the police directly.
Make sure to obtain a
police report.
Liability and Collision:
Carrying liability only
protects against claims for
bodily injury and damages
to another vehicle or
property in an accident for
which you are found liable.
Collision coverage pays for
damage to your vehicle for a
collision accident no matter
who is at fault.
Comprehensive:
Comprehensive coverage
pays for damage to your
vehicle caused by something
other than a collision.
Follow steps 3 & 4 for these
types of claims.
step 2: step 3: step 4:
Exchange license plate Contact your insurance The adjuster will
numbers, contact company as soon examine your vehicle
information and auto as possible. and determine an
insurance information estimate for repairs
(Not at fault) Advise your
with the other parties carrier of the accident or total the vehicle.
involved. Take photos of and file a claim with the You may be asked to
the scene, if possible. responsible party’s collect estimates for
Make sure to get phone carrier. If the driver is repair of minor damage
numbers, including uninsured, discuss your and submit them to the
witnesses, if applicable. legal options and confirm responsible party’s
uninsured motorists’ insurance carrier.
Do not admit fault at the coverage on your policy. The insurance company
scene, as the adjuster will will cut a check in the
determine negligence. (At fault) File a claim with
your carrier if you have amount of the repair. If
you are the at-fault party,
Oklahoma law requires damages. The other party
25/50/25 minimum insurance will likely file a claim the amount will be minus
coverage. Costs over these
for their damages with the collision deductible.
limits will be your responsibility
without additional coverage. your carrier.
If you and the company cannot reach an agreement regarding the claim, you can contact the
Oklahoma Insurance Department and request mediation; OID can also deal with your complaint
about an insurer. You can also consult an attorney to discuss your legal options, particularly if the
at-fault party is uninsured.
1.800.522.0071 • OID.OK.GOV • INSURANCE COMMISSIONER JOHN D. DOAK