Glossary
Insurance Claim
A request to your insurer to pay for damage or losses covered by your policy.
What is insurance claim?
A claim is a formal request to your insurer to pay for damage or losses covered by your policy. The insurer investigates, determines coverage, and pays out (minus your deductible) according to your policy terms.
Details
Claims process: report the incident, your insurer assigns a claim number and adjuster, the adjuster investigates and inspects damage, the insurer determines coverage and value, and payment is issued. Claim handling speed and quality varies significantly by carrier — it’s one of the most important factors in carrier choice.