Looking for step-wise guidance to file your property insurance claim? Well, here is a well researched and easy-to-understand step-wise guide for you.

1. Contact your insurance company - In case of damages or losses to the structure or the contents inside, notify your insurance company right away. Failure to do so within the stated time could lead to denial of the claim. The claims process begins when you let your insurer know about what has happened to your property.
2. Document damages - Don't discard any damaged items for which you wish to make a claim. Wait for the adjuster to come inspect your home. In case you aren't able to store the items that have been damaged, it is recommended that you take their pictures to serve as evidence.
3. Have the adjuster look around - The insurance company will send over an adjuster to assess the losses you have suffered. In case of any structural damage, show the same to the adjuster. Keeping a list of damaged items ready to show the adjuster can save a lot of time.

The adjuster will create a report detailing the cause of damage and losses suffered by you. If the insurance company is satisfied with the adjuster's report, the benefits will be paid out.