Home claims process

Step 1: File your home insurance claim

Call us or start a claim online¹ immediately after a loss to your home, personal property, or belongings.

• Protect your property from further damage by making temporary repairs or obtaining emergency services as necessary. Make sure to save all receipts.
• Complete an inventory of the damaged or stolen property. Whenever possible, take photos or video before making repairs or getting emergency services, and provide supporting documentation (e.g. reports, receipts, invoices). Don't throw away any damaged items.
  
• Report theft claims or crimes to the police.

Step 2: We'll investigate & assess your home insurance claim

 A claims service representative will contact you for additional details, and to discuss your policy coverages, benefits, deductible, and next steps.

• We'll coordinate temporary repairs or emergency services if needed.
• Your home will be inspected to assess damages, confirm coverage, and prepare a restoration estimate as necessary.
• We'll send you any forms you need to complete.

Step 3: Review estimate & repair options

We'll review your estimate with you, that way you understand the covered scope of repairs.

• If applicable, select a reputable contractor to repair your home.
• Check if a license is required with your state or county government and ask the contractor for proof of insurance. If you can't find a contractor and need assistance, contact your representative.

Step 4: Settle your home insurance claim

Working with your AAA insurance agent is a good way to make sure you have all your insurance needs covered. You can also sign in to your online AAA account to review your policies, deductibles, and coverage.

Your policies & coverage