How to file a renters insurance claim step by stepOnce you've documented the damage, you're ready to start a claim. Requesting a written explanation is the first thing you should do when a renters insurance claim is denied. Tips to make sure your claim goes smoothlyEstablishing these habits can make any renters insurance claim less stressful. Another way to save: Bundle auto and renters insuranceRenters insurance claim process FAQsHow long does it take for renters insurance to pay out? It's very normal for your insurance rates to go up after filing any type of claim, including a renters insurance claim.