What information and documentation do I need for a claim?

The information needed for a renters insurance claim depends on what happened and what is being claimed. There is no single document checklist that applies to every loss.

Your assigned adjuster will tell you exactly what to provide. Send requested materials directly to that adjuster and follow their instructions and deadlines.

Information your adjuster may request

Depending on the claim, be prepared to provide some of the following:

• A description of what happened, including when and where it occurred
• Photos or videos of the damage
• An inventory of damaged, destroyed, or stolen property
• Proof that you owned the affected items
• Records supporting the items' value
• Repair estimates, invoices, or other professional assessments
• Police, fire department, or other official reports
• Proof of identity
• Receipts and records for additional living expenses you are claiming
• Other documents related to the loss

This is a preparation list, not a guarantee that every item will be required. Your adjuster will identify what is relevant to your claim.

Creating a property inventory

For each damaged or stolen item, include as much information as you reasonably can:

• Item description and quantity
• Brand, model, or serial number
• Approximate age or purchase date
• Original purchase price, if known
• Estimated value or amount of loss
• Supporting photos, records, or documents

Use the format your adjuster requests. A clear, itemized inventory can make the loss easier to assess.

Proving ownership without a receipt

Purchase receipts are helpful, but they are not the only possible proof of ownership or value. Other supporting records may include:

• Credit card or bank statements
• Appraisals or valuations
• Photos or videos showing the item in your home
• Original packaging or product manuals
• Online orders or account history
• Product registration or warranty records

Submit the evidence you have and let your adjuster determine whether anything else is needed.

Documentation for theft claims

A theft claim requires a copy of the police report. File the report with the appropriate law-enforcement agency and send a copy directly to your adjuster.

Your adjuster may also request an inventory of stolen items and records showing ownership or value.

Damaged property and emergency repairs

The adjuster may need to inspect damaged property, so ask before discarding it unless removal is necessary for health or safety.

Take reasonable steps to prevent additional damage when it is safe to do so. Photograph the condition before emergency cleanup or repairs when possible, and keep receipts and records for related expenses.

Submitting your documents

To help prevent avoidable delays:

1. Send documents directly to the adjuster assigned to your claim.
2. Include your claim number when requested.
3. Use the submission method and file format your adjuster specifies.
4. Keep copies of everything you submit.
5. Respond promptly if the adjuster requests clarification or additional records.

For an overview of assessment and payment timing, see How long will a claim take, and how will I get paid?.