Insurance | July 22, 2025
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If you’re wondering how insurance claims work, when to file one, or what to expect along the way, you’re in the right place. From real-life examples to a step-by-step breakdown, we’re here to help you feel prepared. And when the unexpected happens, your local Forward Insurance agent will be right by your side—from start to finish.
What’s an Insurance Claim?
An insurance claim is a formal request made by an individual or entity (the policyholder) to their insurance company. It asks for financial compensation or coverage of losses and damages as outlined in the insurance policy. Claims are typically filed after a covered event such as an accident, illness, or property damage. The insurance company then investigates the claim and, if valid, provides payment to help cover the associated expenses.
Common Types of Insurance Claims
Not sure what kinds of situations you can file a claim for? Here are some real-life examples of insurance claims:
- Homeowners Insurance: Wind and hail damage, water damage, fire or lightening, theft and liability claims.
- Auto Insurance: Rear-end collisions, single-vehicle accidents, deer strikes (common in Wisconsin) vandalism, wind and hail damage, vandalism, or cracked windshields.
- Renters Insurance: Theft of belongings, fire or smoke damage, vandalism, burst pipes, and liability coverage.
- Business Insurance: A customer slips and falls on your property, a storm damages your storefront and inventory, equipment breaks down and halts production, or a cyberattack compromises your business data.
When Should You File a Claim?
Typical situations that may lead to an insurance claim include:
- A tree falls on your roof during a storm.
- You’re in a car accident on icy roads.
- A pipe bursts and floods your basement.
- High winds damage your business property.
Should you file an insurance claim or pay out of pocket?
But not every incident means you should file. Before deciding, think about:
- Your deductible: Will your repair costs exceed it?
- Severity: Is the damage minor or major?
- Claim history: Frequent claims can impact your premium.
- Type of coverage: Is the incident covered under your policy?
| Ask Yourself | Why It Matters |
|---|---|
| Will the repair costs exceed your deductible? | If not, you may not receive a payout and will cover the full cost yourself. |
| Is the damage minor or major? | Minor issues may be more cost-effective to handle out of pocket. |
| Have you filed multiple claims recently? | Frequent claims can lead to higher premiums or policy non-renewal. |
| Is the incident covered under your policy? | Not all damage is covered—check with your agent before filing. |
Tip: Unsure what to do? Call your Forward Insurance agent first. They’ll walk you through your options and help you decide what’s best.
What to Expect: The Insurance Claims Process
Understanding the steps ahead can help you respond with confidence. Here’s how the process usually works when you file an insurance claim:
1. The Incident Happens
This is the moment when something goes wrong—your basement floods, your car gets rear-ended, or a windstorm damages your roof. Your first priority should be safety. Once everyone’s safe, jot down the details while they’re fresh—what happened, when, where, and who was involved.
2. Document the Damage
Take clear photos or video of the damage from multiple angles. If other people were involved—such as in a car accident—collect their contact and insurance information. Save any relevant receipts, such as hotel stays if your home is uninhabitable, or immediate repair costs to prevent further damage. The more evidence you have, the smoother your claim will go.
3. Contact Your Agent or Insurance Company
Reach out to your insurance agent as soon as possible. We’ll review your situation, verify what’s covered under your policy, and help you begin the claim process. We’ll also explain next steps and any timelines you need to follow. If the damage is extensive or complex, we can coordinate with your insurance carrier directly.
4. Investigation and Adjuster Review
The insurance company may assign a claims adjuster to review the case. Their job is to evaluate the damage, confirm coverage, and estimate the cost of repair or replacement. The adjuster may visit the site in person or request digital evidence.
Note: Your agent acts as your advocate in this process, helping ensure the evaluation is fair and that your side is represented.
5. Settlement and Payment
Once approved, the insurance company will issue payment—either to you or directly to contractors or service providers. If the claim is denied or needs more review, we’ll help you navigate next steps or request a second look.
The Value of Working with a Local Insurance Agent
Insurance can feel complicated, especially when you’re facing a stressful situation. That’s why having a local partner matters. At Forward Insurance, we’re more than just a name on your policy, we’re your advocate through every step of the claims process.
Here’s how a local insurance agent supports you:
- Clear communication: We break down what’s covered and what’s not in plain language.
- Policy guidance: We help you understand how your deductible and coverage limits apply.
- Ongoing support: From first report to final resolution, you’re never on your own.
- Claim advocacy: We work directly with your insurance carrier to help ensure a fair and timely outcome.
Understanding how claims work empowers you to act quickly, stay calm, and get the protection your policy promises. We’re happy to sit down and make sure your coverage fits your life—before a claim ever happens. Contact a Forward Insurance location near you today.
This article is for informational purposes only. Coverage options and requirements may vary based on individual circumstances and location. Please consult with a licensed insurance professional to discuss your specific needs and policy details.