Welcome to the Property Claims Learning Centre

State Farm® Home and Property Claims Learning Centre is an educational resource for information on how to file a claim.

How to Report a Homeowners Claim

To start the claims process, report a claim or contact your State Farm agent. Once you have reported your claim, an associate will contact you as soon as possible.

Important First Steps

  • Take reasonable steps to prevent potential safety risks and/or further damage. Contact your claim representative if you have questions about the steps to take.
  • If the loss is caused by theft, notify the police.
  • Notify banks and credit card companies about any missing debit or credit cards.
  • Keep accurate records of what you spend repairing things.
  • Separate items that may be cleaned and/or repaired.
  • Check with your claims representative before you discard any items you plan to claim as damaged.
  • Review your policy for specific coverage information.
  • Claims submitted are subject to the terms and conditions of your policy.

If Anyone is Injured

  • Report it immediately to your agent.
  • Obtain names and addresses of any witnesses.
  • Do not make voluntary payments, obligations, or expenses outside of emergency first aid.

When Someone Files a Claim Against You

  • Report your claim and we will conduct an investigation to assess the allegations.
  • We will pay claims you are legally liable for, subject to the terms and conditions of your policy.

Settling a Claim

  • We will pay to repair or replace your damaged property, subject to the terms and conditions of your policy.
  • If applicable, check with your mortgage company about how they handle the claim payment.
  • Check with your State Farm agent or claims representative with questions.


This is only a general description of coverages and is not a statement of contract. Details of coverage or limits vary in some provinces. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.