Settling Property Insurance Claims

​​​​​​​​Last Updated: September 3, 2024​

Floods, tornadoes, wind, and ice storms have caused substantial damage to life and property in Wisconsin in recent years. Too often, policyholders receive less from insurance​ policies​ than they expect because their property was not insured to its full value or they do not understand exactly what type of damage is covered.

After a disaster damages or destroys your property, concerns about temporary shelter, emergency repairs, and the costs of restoring or rebuilding your home can be overwhelming. This gu​ide should address your questions about

  • ​how to fill out a claim​ form ​
  • how to best settle an insurance claim
  • flood insurance
  • tips on how to be prepared before a natural disaster

Glossary Tip: To more easily view a glossary term in a PDF within your internet browser, simply hold the CTRL (control) key (or ⌘ key on a Mac) while clicking on the dotted-underlined term. This will open the glossary in a new window, allowing you to hold your spot within the consumer guide.


​Request a Copy by Mail

Order a publication online or call 1-800-236-8517 to request a copy.

File a Complaint

If you have a specific complaint​ about your insurance, refer it first to the insurance company or agent involved. If you do not receive satisfactory answers, contact the Office of the Commissioner of Insurance (OCI).

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