Homeowners Insurance: Your First Claim
The 6-step playbook for your first claim, the file-vs-skip decision math, and the 5 most common claim types with 2026 average payouts.
The 6-step first-claim playbook
Top 5 claim types (2026 averages)
| Peril | Avg payout | Note |
|---|---|---|
| Water damage (non-flood) | $11,650 | #1 claim type. Burst pipes, washer leaks, ice dams. |
| Wind / hail | $12,300 | Roof + siding. Often spike post-storm. |
| Fire / lightning | $83,500 | Largest avg payout. Always file. |
| Theft | $4,250 | Police report required. |
| Liability (slip + fall) | $30,800 | Sub-limit varies; never delay. |
Stay ahead of claim-triggering issues
HomeScore flags which systems are most likely to cause an insurance claim this year — so you fix before you file.
Frequently asked
Should I file a homeowners insurance claim for small damage?+
Probably not. If repair cost is within 1.5× your deductible, self-paying typically beats filing — because two claims in 3 years often triggers 15–40% premium increases or non-renewal. Save claims for events where damage clearly exceeds deductible + 3 years of premium hikes.
How long do I have to file a homeowners insurance claim?+
Most policies require 'prompt notice,' typically interpreted as 24–72 hours for active damage and within 30 days otherwise. Some perils (theft, vandalism) have hard deadlines. Filing late can void otherwise legitimate claims, even if the damage is real.
What documentation do I need for a first claim?+
Photos and video of damage (wide + close-up, date-stamped), 2 contractor repair estimates, a home inventory if items are damaged, receipts for any emergency mitigation, and police reports for theft or vandalism. Document BEFORE cleanup — adjusters work from your evidence.
What's the difference between ACV and RCV payouts?+
Actual Cash Value (ACV) is the depreciated value of the damaged item — what it's worth today. Replacement Cost Value (RCV) is what it costs to replace new. Standard claims pay ACV first, then RCV in a second check once repairs are completed and documented. Always verify which you have on every line item.
Will my insurance go up after one claim?+
Usually yes — 9–20% on average after a single non-catastrophic claim. After two claims in 3 years, expect 30–40% or non-renewal. Catastrophic events (declared disaster) sometimes don't count against you, depending on insurer.