A formal request for compensation for damages covered by your insurance policy is known as an insurance claim.
An insurance policy is a contract between you and your insurer. You are required to pay a set premium. In return, the insurance company provides financial protection against losses in accordance with the conditions of the policy.
A claim must be made after the occurrence of the insured event. The intent is to inform the insurance provider that the occurrence of the event for which you selected coverage has occurred and that the provider should pay the claim amount.