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How to File a Home Insurance Claim

Our agency team does their best to provide our clients with all of the information they need to make an informed decision when they are choosing their coverage plan or doing anything else relating to their insurance. A home insurance policy is one of the most important forms of protection you can have for your family and assets. Knowing how to file a homeowner's claim helps you get the most out of your policy, which is why we have outlined that process below for you to follow in the event that your home is damaged.


Before you start, know the difference between a repair that you should claim and a home-maintenance issue. For example, if your roof needs some work and you can afford to pay for it yourself, budget for it. This will not only prevent you filing an unwarranted or unapproved claim, it may even reduce your premium since well maintained homes get better rates.

What You Will Need

  • Your policy provider's contact information (visit our providers page to find this)
  • Your policy number
  • The effective dates of your policy
  • Information about the date and time the incident occurred
  • Contact our agency as soon as it is reasonable following the incident and contact your provider immediately after


  • In the event of a criminal act such as theft or vandalism, be sure to get a police report.
  • If there is structural damage to your home, take reasonable steps to prevent further damage to it and your belongings, as any damage that occurs following the incident may not be covered. Keep records on what you spend and submit them later for reimbursement.
  • Provide an inventory for any items damaged along with any receipts you may have. Also avoid throwing out any damaged items until you have been visited by a claims adjuster.
  • If your home is damaged to the point where you need to find temporary accommodations, be sure to keep records of your expenses during that time.
  • Do whatever you can to facilitate the adjuster as they investigate your claim and complete any paperwork as quickly as possible.

As your independent agency, we are here if you have questions before, during, or following a claim. While your insurance company is ultimately responsible for approving and paying out your claim, we may be able to provide you with a more timely response to many questions and can potentially expedite certain processes on your behalf.

Our Location

Southeast Insurance

Southeast Insurance

19575 State Road 7
Boca Raton, FL 33498
Main office: 561-451-1550
Fax: 561-451-1561

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers


Thank you Brian Samberg and the representatives at South East Insurance. Your commitment to your clients and their loved ones is above the standard of any insurance business as the customer service and knowledge is remarkable from each and every one of your staff. We thank you and offer you the highest recommendation.
- Priscila and Steven, L.
Southeast Insurances found me a great rate and saved me thousands on my homeowner's insurance. The personal attention was unmatched. I know I have an agent I can count on in any emergency.
- BJ S.
It is more my nature to write letters that complain about poor service. But this letter is quite the opposite. I have never and I mean never, been given such professional advice, great quotes, and personal service from any organization, as I did with yours. Brian, I am very proud that Southeast Insurance is my go to agency. If you ever need a reference please add me to the top of the list.
- Bruce L.
Insurance is insurance..something we all need. The one element that your company provides is the personal touch. This separates you from everyone else. This is special in the day when all we usually get are faxes and email
- Dr. Richard S.
I chose Southeast Insurance for my insurance needs because Brian took the time to explain in detail the benefits vs. cost of each of the policies that I had outstanding. In the past I have had to use many different companies without the personal service that Brian exemplifies. I would and have recommended him to everyone that has asked for help in this area.
- Eric R.
We have been a client of Southeast Insurance for many years and Brian has always come through with the best value on quality policies. The only thing they do better than their price is their customer service. They always make you feel like a friend and are willing to educate their clients on all their insurance needs. The best compliment you can give is a referral and over the years, we have sent Brian all of our friends and family.
- Danielle & Doug
I just had an experience with a brand new Lexus that was involved in an accident 5 days after purchase. Everything was a mess, the insurance hadn't been switched yet (my fault, hadn't called yet) the Dealership hadn't completed all the paperwork etc. I couldn't get answers from the Dealership body shop, Rental company etc. One call to Brian at Southeast and he personally (while with a client) spoke to the Body Shop Manager, the Hertz rental guy and Travelers and everything was taken care of instantly. I haven't had to do a thing but answer a phone call from Travelers. If you think there isn't a difference of having a great Independent Insurance agent (also got me the best price), Think again. It was one of the best decisions that I ever made!
- David Freidenreich
Great agency that has the client's needs at the forefront of the insurance process. I was able to refer a client from the north east that was taking over the financial responsibilities of a local parent and was concerned about the cost for the coverage provided through another agency. Not only did Brian and his staff respond within an hour, he was able to provide BETTER coverage at a more affordable rate. That is the beauty of having an independent agent who represents the best companies doing business in Florida and have the client's needs as the guiding principle of their business. Thank you for all you do and I will continue to refer clients from the "northeast" to Southeast Insurance!
- John Fear
Brian and his team are the Best! They are very professional, knowledgeable, and get the best deals. I recommend Southeast Insurance to all my friends.
- Doug Manolakos