A violent storm damages your house. A grilling accident leaves your guest injured. A burglar breaks in. When an unfortunate event strikes close to home, you might need to file a claim with your insurance company. As part of the contract between you and your insurer, a claim against your homeowners policy comes with rules and procedures that both your insurer and you must follow.
Most extreme weather damage (with the exception of flooding) is covered by your standard homeowners and automobile insurance policies