A Guide to the Process
Our homeowners insurance claims process makes it easy for you get your home—and your life—back to normal. Our knowledgeable, caring specialists are here to guide you through the process and answer your questions, 24/7.
Report your home claim
As soon as possible after the incident, call The Hartford to report your claim, or report your claim online. Our homeowners insurance claims professionals are available to help you 24/7, 365 days a year. Be sure to have your policy information handy when you call.
Describe the incident
Your homeowners insurance claims representative may ask you to describe the incident and provide information about the property damage. The representative will also want to make sure The Hartford has a phone number at which you can be reached during the claims process.
Document the damage
When it's safe to do so, take photos and/or video of the damage to your property. Create a written itemized list of damage or loss to your personal belongings.
Protect your property
To prevent further damage, you may need to arrange for some temporary repairs. If the repairs are made prior to a claims adjuster from The Hartford inspecting your home, be sure to save your receipts and keep a record of all of your temporary repair expenses.
Separate damaged property
Do not dispose of your damaged property. Your homeowner insurance claim adjuster will need to inspect all damaged property in order to assess your loss. Separating damaged property from undamaged property can expedite this process.
Dealing with Property Damage
Never enter a damaged home unless police or fire officials have declared it safe to do so. If possible, move your property to protect it from further damage. If you are unable to move large belongings, try to protect them from the elements using a tarp or plastic. Do not dispose of damaged property, especially items such as appliances or pipes that might be the source of a fire or leak.