Filing a mobile home insurance claim correctly — and promptly — is critical to getting a fair settlement. The steps are: (1) Document the damage immediately — take photos and videos of everything before any cleanup or repairs; (2) Prevent further damage if safe to do so (e.g., tarp a damaged roof) — most policies require you to mitigate additional losses; (3) Contact your insurer — call your agent or the insurer’s claims hotline as soon as possible, ideally within 24–48 hours of the loss; (4) File a written claim and request a claim number; (5) Cooperate with the adjuster — an insurance adjuster will inspect the damage and estimate repair costs. Do not make permanent repairs until the adjuster has assessed the damage.
After a major weather event — common in states like Alabama and Tennessee after tornado season — adjusters may be backlogged. Keep records of all communications, receipts for temporary repairs, and any additional living expenses if you’re displaced. If you disagree with the settlement offer, you can request a re-inspection or hire a public adjuster. The NAIC Consumer Guide explains your rights during the claims process. Bridgeway Insurance is here to help guide you through the claims process — contact us anytime.
