How to File an Insurance Claim: Step-by-Step Guide

We’re here to make the claims process as smooth as possible for you. Follow these simple steps to file your insurance claim:

Step 1: Ensure Safety First

Check for injuries. Call emergency services (911) if needed.
Move to a safe location if the incident is ongoing (accident scene, property damage, etc.).

Step 2: Notify Authorities (If Applicable)

For auto accidents: Call the police to file an official report.
For theft, vandalism, or break-ins: File a police report.
Request a copy of the report number or officer’s card.

Step 3: Contact Your Insurance Company

Call your insurance provider's claims department.
Provide basic incident details:
Date, time, and location.
Type of incident (collision, theft, property damage, etc.).
Ask about your policy coverage and deductible.
Get your claim number and claims adjuster contact info.

Step 4: Document the Incident Thoroughly

A) Written Documentation Checklist

Prepare the following:
Your Insurance Policy Number.
Date, time, and exact location of the incident.
A clear, factual description of what happened (who, what, when, where, how).
Names and contact info of involved parties (drivers, witnesses, property owners).
Police Report number (if applicable).
Any third-party contact information (e.g., other driver's insurance).

B) Required Supporting Documents

Driver’s license, vehicle registration (auto claims).
Proof of ownership (property claims).
Medical reports (if injuries occurred).
Receipts for repairs or estimates.
Any relevant contracts, warranties, or appraisals.

Step 5: Take High-Quality Photos & Videos

Photo Documentation Instructions

To avoid disputes or claim denials, follow these best practices:

📸 General Guidelines

Use your smartphone camera in landscape mode.
Ensure good lighting; avoid glare and shadows.
Take both wide-angle (context) and close-up shots (details).
Use a reference object (like a coin or ruler) for size comparisons on damages.

🚗 For Auto Accident Claims

Scene overview: Multiple angles of the entire accident scene.
Vehicle positions: Show location of vehicles relative to road, intersections, landmarks.
Close-up damage: Focus on dents, scratches, broken parts.
License plates of all vehicles involved.
Skid marks, debris, fluids on the ground.
Visible injuries (if safe and appropriate).
Traffic signs, signals, or road hazards involved.

🏠 For Property Damage Claims

Wide shots of affected area (e.g., entire room or exterior view).
Close-ups of damage (cracks, leaks, fire/smoke damage).
Structural damages (walls, ceilings, floors, roofing).
Contents damaged (furniture, appliances, personal belongings).
Source of damage if identifiable (e.g., burst pipe, fallen tree).
Temporary repairs or mitigation efforts.

📹 Optional: Short Video Walkthrough

Record a short narrated video explaining the scene and pointing to damage.
Slowly pan around the area for clarity.

Step 6: Mitigate Further Damage (If Safe)

Take reasonable steps to prevent worsening damage (e.g., tarp a leaking roof).
Keep receipts for temporary repairs.
Do not authorize full repairs until approved by your adjuster.

Step 7: Cooperate with Your Claims Adjuster

Be responsive to calls/emails.
Provide additional information if requested.
Schedule inspections or appraisals if needed.
Keep copies of all communication records.

Step 8: Follow Up & Track Progress

Check claim status regularly.
Clarify payout timelines and next steps.
Review the settlement offer carefully before agreeing.

Bonus Tip: Digital Claim Submission

If your insurance provider offers an app or online portal:

Upload photos, documents, and video walkthroughs directly.
Track your claim progress digitally.

Need Help? We’re Here for You!
If you have any questions or need assistance at any point in the process, don’t hesitate to contact us. We’re happy to walk you through it.

📞 507 424 1044
📧 claims@rmbia.com

Disclaimer: Educational Purposes Only

The information provided on this website, including articles, guides, and resources under "Understanding Insurance & Coverage," is intended for general informational and educational purposes only. RMB Insurance Agency (RMBIA) does not provide legal, tax, or financial advice through this website.

No part of this website constitutes an offer or solicitation for insurance products, nor does it create a client-agent relationship.

Insurance coverage, terms, and conditions vary by provider, jurisdiction, and individual circumstances. We strongly recommend consulting directly with a licensed insurance professional or advisor who can provide advice tailored to your specific needs and situation.

While we strive to keep the information current and accurate, RMBIA makes no warranties or representations as to the accuracy, completeness, or suitability of the information presented. Any reliance you place on such information is strictly at your own risk.

RMBIA disclaims all liability for any loss or damage arising directly or indirectly from the use of, or reliance on, information provided on this website.

For personalized advice or assistance, please contact a licensed insurance agent.