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State Farm property claims: documentation the desk adjuster can approve

Whether you're the contractor writing the estimate or the homeowner living with the damage, a State Farm claim moves on paperwork. Here is how State Farm says its process works, taken from its own site, and how we prepare estimates and supplements for it.

restoration.claims is not affiliated with, endorsed by, or acting on behalf of State Farm. The name is used only to identify the insurer on a claim.

Filing and tracking a State Farm home claim

How claims are filed

Claims phone: 800-SF-CLAIM (800-732-5246) (24/7) [source]

State Farm's home claims page

Tracking and sending documents

Claim status is tracked online or in the mobile app, where the policyholder can also message the claim handler. [source]

Photos and documents can be uploaded from the mobile app. [source]

Send your estimate or supplement through the channel State Farm names above, and keep the upload confirmation with the claim file.

What State Farm publishes about contractors and additional damage

Select Service

A voluntary network of roofing, mitigation, general contracting and flooring providers with a five-year workmanship warranty. The policyholder may choose any contractor; program benefits then do not apply. [source]

Network membership is State Farm's decision, not ours. Our estimates and supplements are prepared for any contractor on the claim, in or out of the network.

Additional damage and supplements

State Farm's public site does not describe a supplement submission process. In practice the supplement goes to the assigned claim handler through the same document channel as the claim; we write it so the handler can approve it line by line.

State Farm's roof-claims page lists what a detailed written estimate should include: material quantities, labor, specifications, dates, permits and warranty. [source]

How we prepare documentation for a State Farm claim

Estimates

Flat price by job size, written in Xactimate® by an experienced estimator from your photos, sketch and drying records. Your first estimate is free. Pricing

Supplements

Every missed or under-quantified line item, each with a written justification, plus a cover letter addressed to State Farm. Priced on the approved increase. How supplements work

Negotiation add-on

Our estimating team follows up with the State Farm adjuster on the estimate or supplement they wrote. Added at checkout.

We prepare documentation for the contractor or the homeowner, never for the insurer. We do not give coverage, claim-value or legal advice, and we do not represent policyholders.

Sources and review

Facts above are quoted from pages on www.statefarm.com retrieved 2026-10-14; last reviewed 2026-10-16, next review due 2027-04-16. Procedures change — confirm with State Farm before relying on any step.

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