How Do I File a Home Insurance Claim?

Your home is your castle and the place you retreat to at the end of the day. But, it can be hard to relax when something has happened to shatter your peaceful palace. No matter what kind of claim you need to file – from fire damage, to theft, or anything in between – we want to take the mystery out of the process you’ll be going through. Read on to learn about the six steps your claim will go through.

1) Report the Claim

It sound obvious, but when you’ve experienced a theft or any type of damage to your home, report your claim as soon as possible. There are two ways for you to report your claim with us:

  • Call our 24-hour claims service at 1-888-426-2444.
  • Report your home insurance claim online and an AMA Insurance claims representative will contact you within one business day to process your claim.

2) Confirm the Details

Once you have reported your claim, it will be assigned to a claims adjuster. The adjuster is responsible for contacting you to confirm details of what happened. They will ask you for information about the loss and, depending on the type of claim, may need to take a statement from you. They will also talk to you about any forms that need to be completed, as well as important timelines.

When reporting a property claim, you may need to provide information like:

  • How did the loss occur?
  • Were police or the fire department involved?
  • What is the severity of damage?
  • What steps have been taken so far?
  • Other details about lost, damaged, stolen or destroyed property

3) Assess the Damage

When you make a property claim, your claims adjuster will arrange to complete an estimate of damage to your home and may also request a quote from a contractor. We’ll provide you with copies of any estimates or quotes provided on your behalf. You are also free to get quotes and give them to your adjuster. For losses involving personal property, your adjuster will work with you to inventory and price the items. This may be done with the assistance of a contractor or vendor.

4) Arrange for Repair

Once the repair quotes have been reviewed and approved by your claims adjuster, you will be asked to sign a work order with your chosen contractor. You will communicate directly with your contractor regarding timelines and access to your property during the repair process.

Replacing Lost Items

For claims involving personal property, there are different options available to you for settling your claim. These include receiving an actual cash value (ACV) payment up front to provide you with funds to begin replacing the items. We may also be able to arrange direct billing with the vendor providing replacement of your goods. Your adjuster will discuss your options with you so that you can determine the best way to settle your contents loss.

5) Personal Injuries

If your claim involves injuries, a claims adjuster who specializes in this type of loss will handle it. Your adjuster will explain any medical benefits available to you and provide you with any necessary forms. You can also access these forms online.

6) Close the Claim

Once the repairs have been completed, we will pay the invoice on your behalf. You will be responsible for paying the deductible directly to your chosen contractor. As well, depending on the type and value of the claim, you may be asked to complete a Proof of Loss form. You have two years from the date of the loss to finalize your claim.


There is a two-year limitation date on your claim for medical benefits. However, there are other applicable timelines that may affect you. Your claims adjuster will discuss the applicable timelines and deadlines with you.