How to File an Insurance Claim Without the Stress

Filing an insurance claim is rarely something you plan for. It usually follows a stressful event like a storm, an accident, or unexpected damage to your home or vehicle. For retirees, that added uncertainty can feel overwhelming, especially when you are trying to protect the stability you have worked so hard to build.

The good news is that filing a claim does not have to be confusing or stressful. With the right preparation and a trusted advisor by your side, the process can be clear, manageable, and even reassuring. At Wells Insurance, we believe peace of mind comes from knowing exactly what to expect and knowing you are not navigating it alone.

This guide walks you through the claims process step by step so you can feel confident if the need ever arises.

Step 1: Make Sure Everyone Is Safe

Your safety always comes first.

If the claim involves an accident, storm, or other emergency:

• Check for injuries and seek medical attention if needed

• Move to a safe location

• Contact emergency services if appropriate

Insurance matters can wait until you are safe and secure.

Step 2: Prevent Further Damage

Most insurance policies require you to take reasonable steps to prevent additional damage after a loss.

This might include:

• Covering a damaged roof with a tarp

• Shutting off water if a pipe bursts

• Moving undamaged belongings away from affected areas

Keep receipts for any temporary repairs or materials. These expenses are often reimbursable.

Step 3: Document the Damage

Clear documentation helps your claim move smoothly.

Take your time and:

• Photograph and video all visible damage

• Make a written list of damaged items

• Include serial numbers, purchase dates, and estimated values if possible

If your home was affected by a storm, it can help to document damage before any cleanup begins.

Step 4: Contact Wells Insurance First

One of the biggest stress reducers is knowing who to call.

Before reaching out directly to the insurance carrier, contact your Wells Insurance advisor. We can:

• Help you determine whether filing a claim makes sense

• Explain deductibles and coverage in plain language

• Guide you through what the insurance company will ask for

• Submit the claim on your behalf when appropriate

This step alone often saves time, frustration, and unnecessary worry.

Step 5: Understand What Happens Next

Once a claim is filed, the insurance company will assign an adjuster. Their role is to:

• Review the details of your claim

• Inspect damage if needed

• Confirm what is covered under your policy

Your Wells Insurance advisor remains your advocate during this process. If questions arise or something does not feel clear, we are here to help with next steps and ensure nothing is overlooked.

Step 6: Keep Records and Stay Organized

Staying organized helps keep the process moving forward smoothly.

We recommend:

• Keeping a folder with claim numbers and adjuster contact information

• Writing down dates and details of conversations

• Saving copies of estimates, invoices, and correspondence

This simple habit can prevent misunderstandings and delays.

Common Questions Howard Often Asks

Will filing a claim raise my rates?
Not always. It depends on the type of claim, your history, and the circumstances. We help you weigh the pros and cons before filing.

What if damage is discovered later?
Additional damage can often be added to an existing claim. This is another reason it helps to have guidance throughout the process.

What if I do not understand something the adjuster says?
You are not expected to speak insurance language. That is our job. We are happy to step in and explain things clearly.

Why Having a Trusted Advisor Makes All the Difference

Insurance claims are not just paperwork. They are moments when you need clarity, reassurance, and steady guidance. Working with Wells Insurance means you are not calling a toll-free number and hoping for the best. You are calling someone who knows you, your coverage, and your priorities.

We believe that trust is built long before a claim is filed. That trust is what allows you to feel confident when it matters most.

Let Wells Insurance Help You Navigate the Unexpected

No one wants to file an insurance claim, but knowing how the process works can remove much of the stress. If you ever have questions or want to review your coverage before a loss occurs, we are here to help.

Contact Wells Insurance today to make sure you feel prepared, protected, and supported, no matter what comes your way. Because peace of mind is not just about having insurance. It is about having someone you trust when you need it most.