Have you ever filed a claim with your home owners insurance State Farm?

I just did and want this to be as smooth as possible can you give me any pointers that I can do to make this a GREAT experience. I had some items from my home stolen.

I have State Farm and about 5 years ago I had a water pipe burst. My agent handled everything smoothly. Prior to that, my mother had her purse stolen in Las Vegas and I took her (she lived with me) to my agent and found we could recover a limited amount via my homeowner's policy. She DID have a police report and because I was a long-standing customer of a very good agent, there were no problems.

The agent makes a huge difference. Yours SHOULD walk you through everything you need to know (which will include a police report). If you have any photographs of the items stolen, that will help. It's unlikely you have an appraisal, but if it were a very valuable item, hopefully you do. If it's a less costly item and you have the receipt, that helps.

Most people will likely get the depreciated, FMV, Fair Market Value, of whatever was taken. There ARE policies (you pay more in premiums) that will pay replacement cost.

In any case, whatever they determine to pay you, if you believe it's too low, there are ways to appeal and your agent can help you do that. However, it may be that the FMV is just very low and there's nothing you can do about that.

Good luck!

Let me tell you what will happen. Your claim will probably be covered depending on the circumstances. However, SF will RAISE your deductible.

Just provide the adjuster with whatever they ask for. It's not tough.

Provide a list of items and research the values and have them ready ahead of time. Get a police report and if you have replacement costs coverage there shouldn't be any issues, unless the adjuster is incompetent, which does happen from time to time.