Claims Guide
How to File an Insurance Claim in California
Filing a claim can feel overwhelming. This guide walks you through every step, from documenting the damage to receiving your settlement. And remember, we are with you the entire way.
The Claims Process Step by Step
Ensure Everyone Is Safe
Your first priority is always safety. If there is immediate danger, call 911. Do not re-enter a damaged building until it is confirmed safe. Move to a secure location and account for all family members or employees.
Document Everything
Take photos and video of all damage before cleaning up or making repairs. Document the date, time, and circumstances. Save receipts for any emergency expenses like hotel stays, meals, or temporary repairs.
Call WeInsureCali First
Contact us at (209) 957-1100 as soon as possible. We start the claims process, advise you on next steps, and ensure nothing is missed. We are your advocate, and early involvement helps avoid costly mistakes.
Prevent Further Damage
Take reasonable steps to prevent additional damage. Cover broken windows with plastic, tarp a damaged roof, or shut off water to a leaking pipe. Keep receipts for any materials you purchase. These emergency costs are typically covered by your policy.
Meet With the Adjuster
An insurance adjuster will inspect the damage. We recommend being present during the inspection to point out all damage. If you have a home inventory or receipts, have them ready for the adjuster.
Review the Settlement Offer
Once the adjuster completes their report, the insurance company will make a settlement offer. We review the offer with you to make sure it is fair and covers all your losses. If it is not adequate, we negotiate on your behalf.
Complete Repairs
Once you accept the settlement, you can begin repairs. Keep all receipts and documentation of the repair work. If the repair costs exceed the initial estimate, contact us so we can request additional funds.
Did You Know?
California law gives you important rights during the claims process. Insurance companies must act in good faith, respond within specific timeframes, and cannot unreasonably deny valid claims. If you feel you are being treated unfairly, contact us immediately.
Frequently Asked Questions
Need to File a Claim Right Now?
Call us at (209) 957-1100 and we will start the process immediately. We are your advocate from the first phone call to the final settlement.