Home Insurance Claim Form Template

What is the home insurance claim form template?

A burst pipe, a storm, or a break-in rarely happens at a convenient time, and chasing down every damaged item and its rough value afterwards is tedious even when you're not stressed. This template gives you one online form to walk through the whole claim: what happened and when, which parts of the property are affected, what needs repairing or replacing, and any receipts or photos you can attach.

Doing this online instead of over the phone or in a scattered email thread means the form only asks what's relevant — a theft claim asks for a police reference and whether there was forced entry, a water-damage claim asks where the leak came from, and neither set of questions shows up for, say, a storm claim. That keeps the form quick without leaving out anything the insurer is likely to ask for.

Once it's submitted, FileIt saves the whole claim — including any item list, photos and repair quotes — as a single PDF filed in your vault, so you have one dated record of everything you reported instead of a handful of separate attachments.

Who uses a home insurance claim form?

• A homeowner reporting a burst pipe or other escape of water before the damage spreads further
• A landlord claiming for storm or flood damage to a rented-out property
• Reporting a burglary or attempted break-in, along with the police crime reference number
• A tenant with contents-only cover claiming for damaged or stolen belongings
• Recording accidental damage, such as a dropped television or a fire in the kitchen
• Anyone who has already paid for emergency repairs, like a plumber or a board-up, and needs to note the cost
• A household comparing a rough total claim estimate against their policy excess before deciding whether to proceed

Questions on this home insurance claim form

29 questions over 4 pages · includes signature, file upload, conditional questions, multiple pages, consent checkbox.

The home insurance claim form, page by page

1 Policyholder

This page collects the policyholder's name, email, phone and policy number, what the policy covers (buildings, contents, or both), the address of the insured property, and how the property is used — a main home, a second home, rented out to tenants, or rented by the person filling in the form.

2 What happened

The form asks when the loss happened and when it was discovered, since these aren't always the same day, then a "cause of the loss or damage" choice covering escape of water, flood, storm, fire, theft, vandalism, accidental damage, subsidence, power surge or another cause you can specify. Choosing escape of water opens a question about where the water came from and whether the leak has been stopped; choosing theft opens questions about forced entry and the police crime reference number.

A "describe what happened" box and a checklist of affected areas (walls, floors, roof, kitchen, bathroom, living areas, bedrooms, outbuildings or contents) capture the scope. If the property isn't currently habitable, a follow-up question asks where you're staying and what it's costing; a separate yes/no question records whether you've already paid for emergency repairs like a plumber or drying equipment, and if so, how much.

3 Damaged or stolen items

A long-text box lists items damaged or stolen one per line — description, brand or model, roughly how old, and replacement cost — alongside a separate box for damage to the building itself, such as a stained ceiling or lifted flooring. A rough estimated total claim figure is optional, and there's an upload for receipts, valuations or proof of ownership if you have them to hand.

None of this needs to be exact on first submission; a rough figure is enough for the insurer to get started.

4 Evidence & declaration

The last page accepts photos or video stills of the damage and any repair quotes or invoices you've already obtained, then asks whether the loss is also covered by another policy, such as a landlord's policy, a gadget policy or a credit card, opening a field for that insurer's details if so.

It closes with a declaration that the information given is true and complete and a promise to keep damaged items until the insurer says they can be disposed of, followed by a signature drawn on screen.

Make the template yours

• Add a field for a specific room or building if the property has several units, such as a duplex or a rental with multiple flats
• Set the vault folder so claims file under the right property or family member automatically
• Add extra file-upload questions for a subsidence survey or a loss adjuster's report if your insurer typically asks for one
• Turn on an emailed PDF copy to the policyholder so they have a record while the claim is being assessed
• Adjust the "cause of loss" options to match categories your own insurer uses
• Add notification emails for a letting agent or property manager if you manage the claim on a landlord's behalf
• Change the document title pattern to include the property address for easier filing across multiple properties

Tips for a better home insurance claim form

• Photograph damage before starting any cleanup or emergency repairs, and again once repairs begin
• Keep any damaged items until your insurer confirms they can be thrown away — this can affect the claim
• Estimate item values honestly using age and condition; insurers expect a reasonable current value, not the original purchase price
• Report theft or vandalism to the police as soon as possible and record the crime reference number while it's fresh
• Get more than one repair quote where you can — it speeds up settlement and gives you a stronger record
• Note down alternative accommodation costs from day one if the property isn't habitable, including receipts

Home insurance claim form: frequently asked questions

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Templates are a starting point. Check that the questions and any wording about consent, privacy or terms suit your situation and the rules where you are. Page last reviewed 2026-09-26.