How to File a Home Insurance Claim in California - Step-by-Step Guide

The moment you discover damage to your home—whether from fire, water, theft, or vandalism—is stressful. Your first instinct might be panic, followed by uncertainty about what to do next.

Filing a home insurance claim properly can mean the difference between a smooth process that gets you back to normal quickly and a nightmare that drags on for months with disputes, denials, and underpayment.

We've helped hundreds of Cerritos homeowners through the claims process, and we've seen what works and what doesn't. This comprehensive guide walks you through exactly what to do after damage occurs, how to document everything properly, how to work with adjusters, and how to avoid the mistakes that cause claims to be denied or underpaid.

Whether you're dealing with a small water leak or a catastrophic fire, following these steps protects your rights and maximizes your claim settlement.

Before Disaster Strikes: Preparation Matters

The best time to prepare for filing a claim is before you need to. Here's what to do now:

1. Know Your Policy

Read your policy declarations page - This summarizes your coverage limits, deductibles, and key terms.

Understand what's covered and what's not - Know the difference between covered perils and exclusions.

Know your deductible - If you have a $2,500 deductible and $2,000 in damage, filing isn't worth it.

Know your agent's contact information - Keep this somewhere easily accessible, not just buried in paperwork.

2. Create a Home Inventory

Document everything you own before disaster strikes:

- Take photos/video of every room - Walk through your home and record everything

- Document valuable items specifically - Serial numbers, receipts, appraisals

- Store documentation off-site - Cloud storage, safe deposit box, or with a trusted friend/family member

- Update annually - Especially after major purchases

Why this matters: After a total loss (fire, etc.), you'll need to list every item destroyed. Without documentation, you'll forget things and receive less money.

3. Maintain Your Home

Insurance covers sudden, accidental damage—not gradual deterioration or maintenance issues.

- Keep records of maintenance and repairs

- Take photos before and after improvements

- Address small issues before they become big problems

Why this matters: Insurers can deny claims for damage that resulted from lack of maintenance.

Immediate Steps After Damage Occurs

The first few hours after discovering damage are critical. Here's exactly what to do:

Step 1: Ensure Safety First

Before anything else, make sure everyone is safe.

If there's immediate danger:

- Evacuate the property

- Call 911 if needed (fire, gas leak, electrical hazard)

- Don't enter until emergency services clear the area

For water damage:

- Shut off water if possible

- Turn off electricity in affected areas if safe to do so

- Avoid standing water (electrical hazard)

For fire damage:

- Don't enter until fire department clears the structure

- Watch for structural damage

- Beware of smoke and carbon monoxide

For break-ins/theft:

- Call police immediately

- Don't touch anything (preserve evidence)

- Don't enter if perpetrators might still be present

Bottom line: Your safety and your family's safety comes first. Property can be replaced, people can't.

Step 2: Prevent Further Damage (Mitigation)

Your insurance policy requires you to take reasonable steps to prevent additional damage after a loss occurs. This is called "mitigation."

What this means:

- Cover broken windows with plywood or tarps

- Turn off water to stop ongoing leaks

- Move undamaged belongings away from water damage

- Cover holes in the roof

- Board up entry points after break-in

What you can spend: Most policies cover reasonable costs for emergency mitigation. Keep all receipts.

What NOT to do: Don't make permanent repairs before the adjuster sees the damage. Mitigation is temporary protection only.

Important: If you don't mitigate further damage, your insurer can deny coverage for additional losses that could have been prevented.

Step 3: Document Everything Immediately

Before you touch anything, before you clean up, document the damage:

Take photos:

- Every damaged area from multiple angles

- Wide shots showing overall damage

- Close-ups of specific damage

- Date-stamped if possible (most phones do this automatically)

Take video:

- Walk through damaged areas narrating what you see

- Pan slowly, don't rush

- Capture sounds (dripping water, alarms, etc.)

Make a written list:

- Room-by-room damage assessment

- All damaged items

- Estimated value of items (from receipts if you have them)

Save everything:

- Damaged items (don't throw them away until adjuster has seen them)

- Receipts for emergency repairs

- Receipts for temporary lodging if you can't stay home

- Records of all communication with contractors, police, etc.

Why this matters: You can't over-document. The more evidence you have, the stronger your claim. Many homeowners under-report damage because they don't thoroughly document everything.

Step 4: Contact Your Insurance Agent IMMEDIATELY

Call your agent or insurer as soon as it's safe to do so—ideally within 24 hours of the damage.

Why call your agent first (not the insurance company):

- Your agent is your advocate

- They can guide you through the specific process for your policy

- They can help you avoid mistakes that might jeopardize your claim

- They know your coverage and can tell you if damage is likely covered

If you're a Pinoy General Insurance client:

Call us at (562) 402-1737 FIRST, before calling the insurance company. We'll guide you through every step and advocate on your behalf.

What to tell your agent:

- What happened (fire, water damage, theft, etc.)

- When it happened

- Extent of damage (be thorough but accurate)

- Any emergency repairs you've made

- Whether you can safely stay in the home

What your agent will do:

- Determine if damage is covered

- Help you file the claim with the insurance company

- Explain the claims process

- Provide guidance on next steps

- Advocate for you with the insurance company

Step 5: Contact the Insurance Company

Your agent will likely file the claim for you, but you'll also need to contact the insurance company directly:

What to have ready:

- Policy number

- Date and time damage occurred

- Description of damage

- Photos/video if available

- List of damaged items

You'll receive:

- Claim number (write this down and reference it in all future communication)

- Adjuster assignment

- Initial instructions

Timeline: Most insurers require notice of a claim within a "reasonable time" (typically interpreted as within a few days). Don't delay.

Working with the Insurance Adjuster

After you file your claim, the insurance company will assign an adjuster to inspect the damage and determine the payout. This is one of the most critical phases of the process.

What Is an Insurance Adjuster?

An insurance adjuster works for the insurance company. Their job is to investigate your claim and determine:

- Whether damage is covered under your policy

- How much damage occurred

- How much the insurance company should pay

Important: The adjuster works for the insurance company, not for you. They're not necessarily your adversary, but their loyalty is to their employer.

Preparing for the Adjuster's Visit

Before the adjuster arrives:

1. Don't make permanent repairs - The adjuster needs to see the damage. Temporary mitigation (tarps, boarding windows) is fine and required. Permanent repairs should wait.

2. Organize your documentation - Have photos, videos, receipts, and your damage list ready to show the adjuster.

3. Be present - Don't let the adjuster inspect without you. Walk through with them and point out all damage.

4. Make a detailed list of all damaged items - Include:

- Description of item

- Age of item

- Purchase price (if you know it)

- Current replacement cost

5. Get estimates - If possible, get contractor estimates for repairs before the adjuster visit. This gives you a benchmark to compare against the adjuster's estimate.

During the Adjuster's Visit

DO:

- Be cooperative and polite

- Answer questions honestly

- Point out all damage thoroughly (don't assume they'll find everything)

- Take notes on what the adjuster says

- Ask questions about coverage

- Request copies of all photos the adjuster takes

- Get the adjuster's contact information and claim number

DON'T:

- Guess or speculate about damage you're not sure about

- Sign anything you haven't read carefully

- Accept a settlement on the spot

- Admit fault for anything

- Exaggerate damage (be accurate)

- Let the adjuster rush through without seeing everything

What to Say (and Not Say)

DO say:

- "Here's what happened..." (factual account)

- "This area was damaged..." (pointing out all damage)

- "I have photos and documentation..."

- "What is covered under my policy?"

- "What is the next step?"

DON'T say:

- "I think this was my fault..." (never admit fault)

- "I'm not sure if this is covered..." (let them make that determination)

- "This probably happened because..." (don't speculate about causes)

- "I'll accept whatever you offer..." (you have the right to negotiate)

### Understanding the Adjuster's Estimate

The adjuster will provide an estimate of repair costs. This estimate often includes:

Repair costs: Materials and labor to fix damage

Depreciation: Deduction for age/wear of damaged items

Holdback/Recoverable depreciation: Amount held back until repairs are completed

Important: The adjuster's initial estimate is often lower than actual repair costs. This is normal. You have the right to get your own estimates and negotiate.

If You Disagree with the Adjuster

If the adjuster's estimate seems too low:

1. Get your own estimates - Have 2-3 licensed contractors provide written estimates

2. Document all damage again - Make sure nothing was missed

3. Request a re-inspection - If damage was missed, ask the adjuster to come back

4. Provide your estimates to the adjuster - They may adjust their estimate

5. Escalate to a supervisor - If the adjuster won't budge, request a supervisory review

6. Consider a public adjuster - (More on this below)

Common Home Insurance Claim Mistakes to Avoid

We've seen hundreds of claims, and certain mistakes come up repeatedly. Avoid these:

Mistake #1: Delaying Filing the Claim

The problem: Many homeowners wait days or weeks to file, thinking they'll assess the full extent of damage first, or hoping it won't be as bad as it seems.

Why it's bad: Your policy requires "prompt" notice. Delays can give the insurer grounds to deny the claim or question its validity.

What to do: File within 24-48 hours of discovering damage, even if you don't know the full extent yet. You can always amend the claim later.

Mistake #2: Not Documenting Damage Thoroughly

The problem: Homeowners take a few quick photos and think that's sufficient.

Why it's bad: Incomplete documentation leads to underpayment. If you can't prove damage existed, the insurer won't pay for it.

What to do: Take dozens or hundreds of photos/videos from multiple angles. Document everything, even damage that seems minor.

Mistake #3: Throwing Away Damaged Items Before the Adjuster Sees Them

The problem: Homeowners clean up and discard damaged property before the adjuster inspects.

Why it's bad: The adjuster needs to see and verify damage. If items are gone, the insurer may not pay for them.

What to do: Keep damaged items until the adjuster has seen and documented them. Only discard items if they're a health hazard (mold, contamination), and photograph extensively before disposal.

Mistake #4: Not Mitigating Further Damage

The problem: Homeowners leave broken windows uncovered, don't stop water leaks, or fail to take reasonable steps to prevent additional damage.

Why it's bad: Your policy requires mitigation. If you don't take reasonable steps, the insurer can deny coverage for additional damage that results.

What to do: Immediately take temporary steps to prevent further damage: tarps, board windows, turn off water, etc. Keep receipts.

Mistake #5: Making Permanent Repairs Before the Adjuster Inspects

The problem: Homeowners hire contractors and complete repairs before the adjuster sees the damage.

Why it's bad: The adjuster can't verify damage they can't see. The insurer may pay less or deny the claim entirely.

What to do: Mitigation (temporary protection) is fine and required. Permanent repairs should wait until after adjuster inspection and approval.

Mistake #6: Not Reading the Settlement Offer Carefully

The problem: Homeowners receive a check and cash it immediately without reviewing the settlement details.

Why it's bad: Cashing the check may constitute acceptance of the settlement. If it's insufficient, you may have waived your right to additional payment.

What to do: Read all settlement paperwork. Understand what's included and what's not. If it's insufficient, negotiate before cashing the check.

Mistake #7: Accepting the First Offer Without Question

The problem: Homeowners assume the insurance company's initial offer is final and fair.

Why it's bad: Initial offers are often low. The insurer expects negotiation.

What to do: Get your own contractor estimates. Compare them to the adjuster's estimate. Negotiate if there's a significant difference.

Mistake #8: Not Keeping Detailed Records

The problem: Homeowners fail to keep copies of all communication, estimates, receipts, and documents.

Why it's bad: If there's a dispute, you need documentation to support your position.

What to do: Create a claim file with copies of everything: photos, estimates, receipts, correspondence, notes from phone calls, etc.

Mistake #9: Filing Small Claims That Aren't Worth It

The problem: Homeowners file claims for damage that's barely above (or even below) their deductible.

Why it's bad: Claims—even paid ones—can lead to rate increases or non-renewal. Filing a claim for $1,200 of damage when your deductible is $1,000 nets you $200 but may increase your premiums by $300/year for 3 years.

What to do: Consider your deductible and potential rate increases. Sometimes paying out-of-pocket for small claims is smarter.

Mistake #10: Not Hiring Help When You Need It

The problem: Homeowners try to navigate complex or large claims alone, without professional help.

Why it's bad: Major claims (fires, floods, etc.) are complicated. Without help, you may leave thousands on the table.

What to do: For large claims, consider hiring a public adjuster or attorney to advocate for you.

When to Hire a Public Adjuster

Public adjusters are licensed professionals who work for policyholders (not insurance companies) to help with claims.

What Public Adjusters Do

- Assess damage comprehensively

- Prepare and file your claim

- Document losses thoroughly

- Negotiate with the insurance company on your behalf

- Ensure maximum payout

When to Consider a Public Adjuster

Hire a public adjuster for:

- Large claims (over $50,000 in damage)

- Total losses (house destroyed)

- Complex claims (multiple types of damage)

- Business property claims

- When the insurance company denies or severely underpays your claim

- When you don't have time or expertise to handle the claim yourself

You probably don't need one for:

- Small claims (under $10,000)

- Straightforward damage

- When the insurance company is being cooperative and fair

Cost of Public Adjusters

Public adjusters typically charge 5-15% of the final settlement amount.

Example: If your claim settles for $100,000, the public adjuster receives $5,000-15,000.

Is it worth it? Often, yes. Public adjusters typically secure 20-30% more money than homeowners who handle claims themselves. Even after their fee, you come out ahead.

How to Find a Reputable Public Adjuster

- Verify they're licensed (California requires licensing)

- Check reviews and references

- Avoid adjusters who solicit door-to-door after disasters

- Get the fee structure in writing before hiring

- Ensure they have no conflicts of interest

Warning: Be wary of public adjusters who:

- Charge upfront fees (most work on contingency)

- Pressure you to hire them immediately

- Make unrealistic promises about settlement amounts

- Are affiliated with contractors (conflict of interest)

Handling Claim Disputes and Denials

Sometimes insurance companies deny claims or offer settlements that are clearly insufficient. Here's what to do:

If Your Claim Is Denied

Step 1: Get the denial in writing

Request a written explanation of why the claim was denied, citing the specific policy provisions.

Step 2: Review your policy

Carefully read the relevant sections. Is the denial justified?

Step 3: Gather additional evidence

If the denial seems wrong, collect more documentation to support your claim:

- Additional photos/videos

- Expert opinions

- Contractor estimates

- Witnesses

Step 4: File an appeal with the insurance company

Most insurers have an internal appeals process. Submit your additional evidence and request reconsideration.

Step 5: File a complaint with the California Department of Insurance

If internal appeals fail, file a complaint with the state regulator. They'll investigate and can pressure the insurer to reconsider.

Step 6: Consider hiring an attorney

For large claims or clear cases of bad faith, hiring an insurance attorney may be necessary. Many work on contingency (they get paid only if you win).

If Your Settlement Offer Is Too Low

Step 1: Get independent estimates

Hire 2-3 licensed contractors to provide written estimates for repairs.

Step 2: Document the difference

Create a clear comparison showing the adjuster's estimate vs. contractor estimates, highlighting what was missed or undervalued.

Step 3: Request a supplemental claim

Submit the contractor estimates to the adjuster and request a supplemental payment for the difference.

Step 4: Request re-inspection

If damage was missed, ask the adjuster to come back and reassess.

Step 5: Escalate

If the adjuster won't budge, escalate to their supervisor, then to the claims manager.

Step 6: Invoke appraisal clause

Most policies have an "appraisal" provision that allows disputes over claim value to be resolved by independent appraisers (one chosen by you, one by the insurer, and a third neutral umpire). This is less expensive than litigation.

Bad Faith Insurance Practices

California law prohibits insurers from acting in "bad faith." Examples include:

- Unreasonable claim delays

- Denying valid claims without proper investigation

- Low-ball settlement offers with no justification

- Failing to communicate

- Misrepresenting policy provisions

If you believe your insurer is acting in bad faith, contact an insurance attorney. California law allows punitive damages against insurers who act in bad faith.

Timeline: What to Expect

Understanding the typical timeline helps manage expectations:

Day 1: Damage occurs → Document → Mitigate → Call agent

Days 1-3: File claim with insurance company → Receive claim number → Adjuster assigned

Days 3-10: Adjuster schedules inspection → Adjuster visits and assesses damage

Days 10-21: Adjuster submits estimate → Insurance company reviews → You receive settlement offer

Days 21-30: You review offer, get contractor estimates, negotiate if needed

Days 30-60: Final settlement agreed upon → You receive payment → Repairs begin

Days 60-180: Repairs completed → Submit receipts for recoverable depreciation → Receive final payment

Note: Complex claims (major fires, total losses) can take 6-12 months to fully resolve.

Special Considerations for California Homeowners

Earthquake Damage

Earthquake insurance is separate from homeowners insurance. If earthquake damage occurs:

- File with your earthquake insurer, not your homeowners insurer

- Higher deductibles apply (typically 10-15% of dwelling coverage)

- Different claim process

Wildfire Damage

After major wildfires, special considerations apply:

- Expedited claim processes

- Possible inspector shortages (be patient)

- Extended grace periods for mitigation

- State resources available to assist victims

Mold Claims

Mold coverage is limited in most California homeowners policies. If mold develops after water damage:

- Document the initial water damage thoroughly

- Mitigate water immediately to prevent mold growth

- Know your policy limits for mold (typically $5,000-10,000)

- Mold from gradual leaks or lack of maintenance usually isn't covered

How Your Agent Can Help

A good independent insurance agent (like us) provides significant value during the claims process:

What we do for our clients:

- Guide you through every step of the claims process

- Help you document damage properly

- Communicate with the insurance company on your behalf

- Review adjuster estimates and identify underpayments

- Advocate for maximum settlement

- Explain your rights and options

- Recommend contractors and public adjusters when needed

Why use an independent agent:

- We work for you, not the insurance company

- We have experience with hundreds of claims

- We know what insurers look for and how to avoid denials

- We can escalate issues with carrier contacts

- We take the stress off you

If you're our client and have a claim:

Call us FIRST at (562) 402-1737. We'll guide you through everything.

Conclusion: Be Prepared, Document Everything, Advocate for Yourself

Filing a home insurance claim doesn't have to be overwhelming if you follow the proper steps:

1. Ensure safety first

2. Mitigate further damage

3. Document everything thoroughly

4. Contact your agent immediately

5. File the claim promptly

6. Work cooperatively with the adjuster (but advocate for yourself)

7. Get your own estimates

8. Negotiate if the settlement is insufficient

9. Keep detailed records of everything

10. Get professional help for large or complex claims

The most important thing: Don't wait. The sooner you start the process, the smoother it will go.

Need help with a claim?

At Pinoy General Insurance, we walk our clients through the entire claims process. If you've experienced damage and need guidance, or if you're having trouble with a claim:

Contact us today:

- Call: (562) 402-1737

- Email: info@pinoygeneralinsurance.com

- Visit: 17304 Norwalk Blvd, Cerritos, CA 90703

- Web: pinoygeneralinsurance.com

We're here to advocate for you and ensure you get the settlement you deserve.

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## Frequently Asked Questions

How long do I have to file a home insurance claim?

Most policies require "prompt" or "timely" notice, typically interpreted as within a few days to a couple of weeks. File as soon as possible—ideally within 24-48 hours of discovering damage.

Will filing a claim increase my rates?

Possibly. It depends on the claim type, amount, and your claims history. Large claims and certain types (water damage, liability) are more likely to affect rates than others (theft, windstorm). Small claims near your deductible may not be worth filing.

Can I choose my own contractor?

Yes. The insurance company may recommend contractors, but you have the right to hire anyone you want. Get multiple estimates and choose the contractor you trust.

What if the contractor's estimate is higher than the adjuster's?

Submit the contractor's estimate to the insurance company and request a supplemental payment. Most insurers will negotiate and adjust their estimate if your contractor's bid is reasonable.

Do I have to make repairs with the insurance money?

Generally, no. If you own your home outright (no mortgage), you can typically keep the insurance payout and decide not to repair. However, if you have a mortgage, your lender may require repairs.

What is recoverable depreciation?

Many policies pay actual cash value (ACV) initially, which deducts depreciation. After repairs are completed, you submit receipts and the insurer pays the "recoverable depreciation" (the difference between ACV and replacement cost). This prevents fraud.

Can the insurance company make me use their "preferred" contractors?

No. You have the right to choose your own contractor. The insurer may recommend contractors, but they cannot require you to use them.

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Last Updated: January 2026

This blog post is for informational purposes only and does not constitute legal advice. Claim processes vary by policy and situation. Contact Pinoy General Insurance Services for guidance specific to your claim.