Insurance Claims Process

At Underwood Insurance Adjusters, our primary role is conducting detailed property and liability inspections to inform your insurance coverage. However, we understand that filing an insurance claim can be confusing when the time comes. Below we provide an overview of the claims process and resources to make it as smooth as possible.

Role of Insurance Adjusters in Claims

After an incident or loss, insurance adjusters like us are engaged by insurers to assess and investigate the damage/claim. We help determine if the claims are covered under the policy and the appropriate payout amount. Our inspection reports are crucial in providing evidence to support claims.

Overview of the Insurance Claims Process

The typical claims process includes:

  1. The policyholder files a claim with their insurance company, providing details, photos, and documentation.
  2. The insurer assigns an claims adjuster to investigate. This may involve an on-site inspection by a licensed adjuster like us.
  3. The adjuster determines if the claim is approved and covered under the policy terms. If approved, the damaged/lost items are valued.
  4. The insurer makes an official claim decision and offers a settlement amount to the policyholder.
  5. If the offer is accepted, payment is issued by the insurer. If rejected, additional negotiation may be needed.

How to File an Insurance Claim

To start a claim, contact your insurer promptly after an incident and have the following:

  • Your policy number
  • Date, time, location and detailed description of loss
  • Photographs documenting damage/losses
  • Repair estimates if available
  • Receipts showing value of damaged/lost items

Submit this documentation to your insurer by email, through their website/app, or by mail. Be sure to keep copies for your records.

Claims Process FAQs

For more on the claims process, here are a few common questions and answers. 

How long does it take to get an insurance claim payment?

The timeframe depends on factors like claim complexity and backlog. But many claims are settled within 30-60 days of filing if paperwork is complete.

Can I get reimbursed for temporary repairs?

Yes, temporary repairs needed to prevent further damage are often reimbursed as part of your claim. Save receipts.

What if the settlement offer seems too low?

You can provide additional documentation to justify a higher payout and negotiate with the adjuster. If needed, consider hiring a public adjuster to advocate.

Am I penalized if I’ve made several claims?

If multiple claims are filed in a short period, it may impact your premiums at renewal. But legitimate claims will not result in policy cancellation.

For more questions, contact your insurer directly for their specific claims handling policies.

Claims Forms and Documentation

We’ve listed the claims forms and resources from major insurers below:


American Family

Amica Mutual

Farmers Insurance

Liberty Mutual



State Farm

The Hartford

Travelers Insurance

The claims process can seem complex, but your insurance adjuster is there to help guide you through it. Let us know if we can answer any other questions!