Claims Process

We are here when you need us, offering convenient claim reporting options 24 hours a day, seven days a week.

Use this guide to learn how to protect your family and your property after a disaster.

Take the following steps in the event of a loss:

  • Ensure your safety
  • Dial 911 in the event of a fire, theft, burglary or vandalism
  • Report the claim to us
  • Call 1-844-200-2842 – Option #4
  • Take reasonable steps to prevent further damage

After you have reported a claim, a claims professional will contact you to discuss your loss and the coverage that may apply.  In most cases, an in-person inspection of the damages to your property will be scheduled.

During the inspection, the field adjuster will review the damages, take photos and prepare an estimate of the damages

The claims adjuster will review the estimate with you and provide you with any payment that is due under the terms of the insurance policy.

Once repairs are underway, additional damage may be discovered.  If this happens, you or your contractor should contact your claims representative directly to discuss the next steps, which may include another inspection.

To Make the Claims Process Easier:

  • Protect your property from additional damage.
    If you have not done so already, cover broken windows, missing roof tiles, etc.
  • Document the damage.
    Take photos, save damaged property and provide documentation such as product manuals and receipts if available.
  • Save all receipts for additional living expenses you incur.
    We understand that expenses may increase while your home is being repaired.
  • Review the scope of repairs.
    After inspecting damages, your claims adjuster will provide a thorough estimate designed to protect you from over-priced or unnecessary repairs.
  • Make repairs with professional help.
    Contact one of our Preferred Pros or select your own contractor(s) but make sure they work with your claims adjuster to ensure the costs are covered.
  • Report any additional damage.
    If you find any hidden damage after the estimate has been completed and repairs are underway, contact your adjuster immediately for a revised estimate.
  • Make sure the mortgage company listed on your policy is up to date.
    If your mortgage company has changed, notify your agent or claims adjuster right away as this could affect the name on your claims payment.