Schedule an inspection if needed and work with the assigned adjuster. We don't always have to send someone to your home to do an inspection, which can be done through your smartphone. There are some claims that can use photos to see the damage to your home. Your adjuster will discuss what process is best suited for your claim and situation.

Message your adjuster to reschedule via the Claims Communication Center. Keep in mind rescheduling your inspection can make your claim take longer.

When an adjuster visits your home, they'll be checking all the damaged areas you mentioned in your claim. They'll inspect your home with a critical eye to ensure they don't miss any damage that could be covered by your policy. The adjuster will write a report, or an estimate, that details what it would cost to repair or replace the covered damaged items.

It depends. You may be able to submit photos or video of the damage. Check with your adjuster to see if this is the best option for inspection.

Not always. There are a few situations when you don't have to be there for the inspection:

• If there's only damage to the outside of your home, such as roof damage.
• If someone else, such as a family member or property manager, can grant access to the home to see damage to the interior of the home. They must be 18 or older.
• If you have a smart lock and can remotely grant access to the adjuster to see damage to the interior of the home.

After the adjuster finishes their report about the damage to your home or personal belongings, they'll review the details to determine what your policy will and won't cover. Your adjuster will draft an estimate detailing the cost to repair or replace the items covered by your policy.

The process may take longer during certain situations such as natural disasters with widespread damage.