What information do I need to report when filing a homeowners or auto claim?

Having the right information ready before you call your insurer or open a claim online can prevent delays and reduce back-and-forth. The foundation is always the same: your policy number, the address or location where the loss occurred, your current contact information, and a clear account of what happened and when.

For a homeowners claim, document the damage thoroughly before touching anything. Photograph or video every affected area. Create a written list of damaged or destroyed property, including purchase dates and approximate values where you know them. If the event was a crime such as a break-in or vandalism, you also need a police report and the responding officer’s name and badge number. Save receipts for any emergency or temporary repairs you make to prevent further damage. Insurers typically reimburse reasonable temporary repair costs, but they need documentation.

For an auto claim, especially one involving another vehicle, gather: the other driver’s full name, address, and insurer name and policy number; the vehicle make, model, year, and license plate; the driver’s license number if you can obtain it; and the names and contact information of any witnesses. Note the exact time, date, location, weather conditions, and road conditions. Photograph the damage to all vehicles involved and, if safe to do so, the overall accident scene. If police responded, get the report number.

In both cases, the Georgia Office of the Commissioner of Insurance advises keeping copies of all correspondence and documenting every phone call or in-person conversation with dates, names, and key points discussed. Incomplete or incorrect information is among the leading causes of claim processing delays.