Understanding the insurance claim process 

In this article: 

• How to file an insurance claim 
• Examples of required forms and evidence 
• The role of the claims adjuster 
• What records to keep for future reference 

When damage occurs to your home, car, or property, the last thing you want is confusion about how to get help. Filing an insurance claim doesn’t have to be overwhelming. By understanding the claim process and following a clear set of steps, you can move forward with confidence, stay organized, and ensure your claim is handled as smoothly as possible. 

Below is a simple, step-by-step guide to help you navigate the process from start to finish. 

1. Start with safety and damage prevention 

Before anything else, make sure everyone is safe. Insurance companies generally require you to take “reasonable steps” to protect your property from additional damage. If the incident caused urgent hazards — such as fire, flooding or structural issues — contact emergency services and take steps to prevent further damage, if it’s safe to do so. 

• Shut off water if pipes burst. 
• Board up openings after a break-in. 
• Move valuables away from leaks. 

2. Document everything

Clear documentation strengthens your claim and speeds up the review process. 

• Take photos and videos from multiple angles. 
• Note dates, times and conditions surrounding the incident. 
• Record any temporary repairs you had to make. 
• Save receipts for emergency expenses. 

3. Review your insurance policy 

When you know what to expect, the process feels smoother with fewer surprises. Before filing, take a moment to understand what your policy covers. Look for: 

• Covered types of damage 
• Deductibles 
• Limits on certain categories (e.g., jewelry, electronics) 
• Requirements for submitting documentation 

4. Contact your insurance provider 

Most insurers prefer that you report a claim as soon as possible. Be prepared to include a brief description of what happened and to submit supporting details as requested. You can typically do this through: 

• A mobile app 
• An online portal 
• A 24/7 claims phone line 
• Your local agent 

5. Submit the required forms and evidence 

Your insurer will give you instructions on what documentation is needed. Submitting complete information upfront helps avoid delays. This may include: 

• Proof of loss forms 
• Photos, videos, receipts 
• Police reports (for theft or vandalism) 
• Contractor estimates or medical records (if applicable) 

6. Work with the claims adjuster 

An insurance adjuster may visit your home or contact you about your claim. Be honest and detailed in your answers. Their assessment plays a major role in determining your payout. They will: 

• Assess the extent of the damage. 
• Review your documentation. 
• Ask questions about how the incident occurred. 
• Provide an estimate of repair or replacement cost. 

7. Receive the claim decision 

Once the adjuster finishes their review and the insurer completes processing, you’ll receive a claim determination. This will outline: 

• What is covered 
• The approved payout amount 
• Any deductible applied 
• Next steps for repair or settlement 

8. Repair, replace or settle the claim 

Depending on the type of damage, you may: 

• Hire contractors to complete repairs. 
• Replace damaged items. 
• Receive reimbursement after submitting receipts. 
• Accept a settlement payment. Note that many insurers can also coordinate repairs through preferred vendors. 

9. Keep records for future reference 

After your claim is closed, save copies of everything you submitted. These documents can be helpful if questions arise later or if you need to file a related claim in the future. 

• Claim forms 
• Adjuster reports 
• Repair invoices 
• Communication with the insurer 

When to contact Desert Financial 

We’re always here to support you with clear answers and member-first service. Contact Mortgage Servicing at (602) 433-7097 or firstmortgageservicing@desertfinancial.com if: 

• You filed an insurance claim for a vehicle or property that is financed through Desert Financial. 
• Your insurance company has declared your vehicle or home a total loss. 
• Your insurer is issuing a settlement check that lists Desert Financial as a payee. 
• You need guidance on what documents are required for claim processing (e.g., repair estimates, settlement statements, proof of loss). 
• You are unsure whether the damage affects your loan or insurance requirements. 
• You need assistance understanding the next steps before repairs begin. 
• You have questions about how the claim may impact your loan, escrow or insurance coverage requirements.