top of page
  • Writer's pictureBrenda Heffner

In the Blink of an Eye: How to React Swiftly to Property Emergencies and Insurance Claims

Imagine this scenario:

You're at home, enjoying a peaceful evening, when suddenly disaster strikes. A burst pipe floods your living room, a tree crashes through your roof during a storm, or a kitchen fire breaks out.

In moments like these, panic and uncertainty can overwhelm you. However, knowing how to react swiftly and effectively to property emergencies can make all the difference in minimizing damage and ensuring a smooth insurance claim process.


Let's explore essential steps to take in the blink of an eye when facing property emergencies and dealing with insurance claims.


1. Stay Calm and Assess the Situation

In times of crisis, staying calm is crucial. Take a deep breath, and try to assess the situation objectively. Make sure everyone in your household is safe and secure. If there are immediate dangers like a gas leak or electrical hazard, evacuate the premises and call the appropriate emergency services.

2. Mitigate Further Damage

Once everyone is safe, if possible, try to mitigate further damage to your property. Turn off the water supply if you have a burst pipe, extinguish small fires if you can do so safely, or move valuable items away from potential harm. However, only attempt these actions if it's safe to do so. Otherwise, wait for professional help to arrive.

3. Contact Emergency Services and Relevant Professionals

Call the appropriate emergency services for immediate assistance. If necessary, contact a plumber, electrician, roofer, or any other relevant professional to address the emergency promptly. Many cities have emergency repair services available 24/7 to deal with urgent situations.

4. Document the Damage

While waiting for help to arrive, take photos and videos of the damage caused by the emergency. These visual records can be vital when filing an insurance claim later on. Document the affected areas thoroughly from multiple angles, capturing the extent of the damage as accurately as possible.

5. Review Your Insurance Policy

Before filing a claim, review your insurance policy to understand what type of coverage you have and the specific procedures for making a claim. Familiarize yourself with the terms, conditions, and limits of your policy to ensure you are aware of what can be reimbursed.

6. Notify Your Insurance Company

Contact your insurance company as soon as possible to report the incident and begin the claim process. Many insurers have 24/7 hotlines for emergency claims. Provide them with all the necessary information about the incident and the damage sustained, and be honest and accurate in your description.

7. Obtain Professional Estimates

In most cases, your insurance company will require estimates for repair or replacement costs. Obtain quotes from reputable contractors or service providers for the necessary repairs. Keep all receipts and documentation related to the repairs, as these will be crucial for your claim.

8. Cooperate with the Insurance Adjuster

Your insurance company may send an adjuster to assess the damage and verify the claim. Cooperate fully with the adjuster and provide them with any information they request. Be present during the inspection to ensure they are aware of all the damage.

9. Understand Your Rights

It's essential to know your rights as a policyholder. Familiarize yourself with the laws and regulations related to insurance claims in your area. If you encounter any issues with your claim, seek legal advice or contact your state's insurance regulatory authority for assistance.

10. Keep Records of Communication

Throughout the claim process, keep records of all communications with your insurance company, adjusters, and contractors. Note down the dates, times, and details of each conversation, including the names and titles of the individuals you spoke with. This documentation can be valuable if any disputes arise.

11. Be Patient and Persistent

The insurance claim process can sometimes be lengthy and complex, especially in the case of significant damage. Be patient and stay persistent in following up with your insurance company on the progress of your claim. If necessary, escalate the matter within the company or seek assistance from consumer advocacy groups.

12. Preventive Measures for the Future

Once the immediate crisis is over, take the time to assess how the emergency happened and what preventive measures can be implemented to avoid similar situations in the future. Whether it's regular maintenance, upgrading certain systems, or installing safety devices, taking proactive steps can help prevent future emergencies and mitigate potential damages.



Property emergencies can strike in the blink of an eye, catching us off guard and causing significant stress. However, by staying calm and reacting swiftly, you can minimize damage and ensure a smooth insurance claim process. Remember to document the damage, notify your insurance company promptly, obtain professional estimates, and keep thorough records throughout the process. Being prepared and informed will empower you to handle property emergencies with confidence, protecting both your property and your peace of mind.

If you have any claim-related questions please reach out to us, and we would be happy to answer any questions you may have.

"The only stupid questions are those that are not asked."

Email: Text or Phone Call (570) 249-9486


bottom of page