If an insured person has a reason for recovering money from their insurance coverage, they must first file an insurance claim. To do this, the first step is to contact the homeowners insurance company – they will need the say-so of the insured to begin the claim, and will provide the forms needed to file the claim. Once the forms have been submitted, an adjuster will be assigned to administer the claim; this adjuster will be responsible for everything from investigating the claim and reviewing the policy to determining the damages and payout. A home owners insurance claim can be fairly easy, at times, but can also become complicated in certain cases, such as when extensive repairs are needed. If and when the claim does settle, a check will be sent to the insured, most likely be mail, covering the sum of all justified damages.