Did you know? If you have been impacted by hurricanes, hail, or other losses, you can now report a claim online by clicking here!
Now writing Homeowners, Flood, and Boat insurance in South Carolina!

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
  • In the event of a fire, theft, burglary, or vandalism, immediately report the incident to your local police or fire department
  • Click here to report a claim or calling 844-200-ATIC (2842) – Option #1
  • Take reasonable steps to prevent further damage

Understanding the Claim Process

  • Assignment – Your claim will be assigned to a claim professional. They will arrange for your property inspection, determine and investigate covered damage, and assist you in understanding your policy and endorsements
  • First Contact – Your desk adjuster will discuss coverage, set expectations, and make assignment for an in person inspection- if necessary. The desk adjuster will also be able to assist you in ways to prevent further damage such as dry out companies, tarping, and board up
  • Field Inspection – If a field inspection of your property is made the field adjuster will review and document damages, take photos and prepare an estimate of the viewed damages
  • Evaluation and Estimate – Your desk adjuster will then determine if the loss is covered. They will review the inspection report and documentation of damage, interview involved individuals, take photos and samples, and review the estimate of damage
  • Settlement – Once your desk adjuster completes the investigation they will advise you of the coverage decision. For covered damages your desk adjuster will review the settlement with you prior to issuing payment. They will provide you with a copy of the estimate which is organized by room, item and will indicate what will need to be repaired or replaced. As this is an “estimate” there may be issues that contribute to differences between our estimate and your contractor’s estimate. Your desk adjuster will work with you and the contractor to resolve the differences.

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. Do not discard items or make permanent repairs until your desk adjuster has communicated the ability to do so.
  • 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.
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