How to file a home insurance claim

• Take reasonable steps to prevent potential safety risks and/or further damage.
• If the loss is caused by theft, notify the police.
• Notify banks and credit card companies about any missing debit or credit cards.
• Keep accurate records of what you spend repairing things.
• Separate items that may be cleaned and/or repaired.
• Check with your claim representative before you discard any items you plan to claim as damaged.
• Review your policy for specific coverage information.

If anyone is injured

• Report it immediately to your agent.
• Obtain names and addresses of any witnesses.
• Don't make voluntary payments, obligations, or expenses outside of emergency first aid.

When someone files a claim against you

• Report your claim and State 农场 will conduct an investigation to assess the allegations.
• State 农场 will pay any claims you are legally liable for, subject to the terms and conditions of your policy.

Settling a home insurance claim

• We'll pay to repair or replace your damaged home or property, subject to the terms and conditions of your policy.
• If applicable, check with your mortgage company about how they handle claim payment.
• Check with your State 农场 agent or claim representative with questions.

This is only a general description of coverages and is not a statement of contract. Details of coverage or limits vary in some states. All coverages are subject to the terms, 规定, exclusions and conditions in the policy itself and in any endorsements.