How to File a Claim on Homeowners Insurance in the Dominican Republic

Owning a home in the Dominican Republic brings peace of mind, especially when your investment is protected by a reliable homeowners insurance policy. But when the unexpected happens—such as storm damage, theft, or fire—it’s essential to know exactly how to file a claim so you can recover as quickly and efficiently as possible.

In this article, we’ll walk you through the key steps for filing a claim on your homeowners insurance in the DR.

Step 1: Secure the Property and Document the Damage

As soon as you discover damage or a loss:

• Take immediate action to prevent further damage (e.g., shut off water, cover broken windows).
  
  

• Photograph and/or video the damage before you begin any cleanup or repairs.
  
  

• Do not dispose of damaged items unless necessary—your insurance adjuster may need to inspect them.
  

Step 2: Contact Your Insurance Broker or Insurer Promptly

Time is critical. Contact your insurance broker or the insurance company’s claims department as soon as possible. Most insurers in the DR require that a claim be reported within 72 hours of the incident.

At Hernández Peguero Insurance Brokers, we assist our clients throughout the claims process—from initial notification to final settlement.

Step 3: Prepare and Submit Required Documentation

Here are the most common documents you may need to provide:

• A formal written claim (often provided as a form by the insurer or broker)
  

• Photos/videos of the damages
  

• A detailed list of affected items or repairs needed
  

• A police report or fire department report, if the claim involves theft,vandalism or fire damage
  

• Invoices or receipts for damaged items, if available
  

• Your insurance policy number and insured value
  

Your broker can help ensure that your documentation is complete and properly submitted.

Step 4: Wait for Inspection or Adjuster Visit

Once your claim is submitted:

• The insurance company may send an adjuster or inspector to assess the damage.
  
  

• Cooperate fully during the inspection and provide any additional documentation requested.
  
  

• If emergency repairs are necessary, keep all receipts and records for reimbursement.
  

Step 5: Receive the Claim Settlement

If the claim is approved:

• You’ll receive a settlement payment by check or bank transfer.
  

• The amount will depend on the insured value, applicable deductibles, and coverage limits outlined in your policy.
  

• In some cases, insurers may pay service providers directly for approved repairs.
  

Tips for a Smooth Claims Process

• Keep a digital copy of your policy and inventory of contents.
  

• Maintain clear communication with your insurance broker throughout the process.
  

• Respond promptly to any requests for clarification or additional information.
  

Why Choose Hernández Peguero?

We don't just sell policies—we support our clients before, during, and after a claim. Our bilingual team is here to guide you through the process and make sure your claim is handled professionally and fairly.

Ready to Protect Your Home in the DR?

Whether you already have insurance or need help selecting the right policy, we’re here for you.
📞 Call or WhatsApp us: +1 (849) 514-9838
📧 Email: info@hernandezpeguero.com
🌐 Visit: www.hernandezpeguero.com

Let us help you protect your investment with confidence.