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To file a property insurance claim, report the incident to your insurance company as soon as possible, either by calling their claims hotline or submitting an online form. Gather all relevant documentation, such as photos of the damage, receipts, and a police report if applicable. File the claim by submitting this information and answering any questions. The insurance company will send an adjuster to assess the damage. Afterward, negotiate the settlement, receive payment, and use the funds to repair or rebuild your property. Always review your policy for specific requirements.