Need to report a claim?
Note: Those impacted by Hurricane Idalia can get addresses for insurance villages and distribution points on our hurricane assistance page.
From small losses to game-changing disasters, we're here to help you recover quickly. If you experience a loss, report your claim by clicking the button above or giving us a call at 866-204-2219.
You can check the status of your claim at any time with our Claims Tracker. Just log in to your customer portal.
Our process is designed from start to finish to resolve your claims quickly and accurately. We use the latest technology, like aerial imagery, drone technology, satellite services, and virtual inspections, to assess damage and estimate repairs.
Here's how our claims process works.
Report Your Claim
We’re so sorry you’ve had a loss and we’re here to help!
You should report your claim to us immediately (24/7):
If your loss is still in progress (such as a water leak), we can assist you with emergency services.
You should also:
- Record the damages
- Submit photos
- Submit any documents (receipts, estimates, etc.)
- Take steps to prevent any additional damage
Meet Your Claim Specialist
Your Claim Specialist will serve as your claim concierge and assist you with your claim.
They’ll explain and oversee your claim process, keep you updated, and answer any questions. They will be your designated point of contact.
They’ll contact you very soon after receiving notice of your loss.
Note: If you qualify for advance payments (such as for additional living expenses), your Claim Specialist can assist you with this now.
Claim Inspection & Research
Your Claim Specialist is gathering all the information about your claim.
This includes assessing the cause and amount of damage.
This will likely include an inspection of the damages. Depending on the type of claim, the inspection may be conducted at your home or may be done virtually.
To speed the process, please submit any photos, documents, inventory of damaged property, or other information. And please be sure to keep receipts for temporary repairs, additional living expenses, or other claim-related costs.
Your Claim Specialist is diligently:
- Preparing/reviewing the estimate(s) of your damage;
- Reviewing all the information gathered for your claim; and
- Reviewing all your insurance coverages.
As soon as this is complete, they’ll contact you to explain your estimated damages and your available coverage.
Payment & Repair
Hooray, your Claim Specialist can now issue payments based on the terms of your policy.
You can choose to receive your funds by direct deposit, printable electronic check, or mailed check.
If you have a mortgage, your lender may have the right to be included as a payee. If a contractor had you sign a direction to pay, we may be required to pay them directly.
If the claim review shows the loss was below deductible or not covered, your Claim Specialist will provide you with a full explanation in writing.
1. Report your claim
You should report your claim immediately.
If you report online, you can access simple tools to instantly upload photos and documents. Our claims reporting options are available 24/7:
You should also:
- Record the damages.
- Submit photos and documentation of the damages.
- Take steps to prevent additional damage.
If your loss is still in progress (e.g., a water leak), we can assist you with mitigation services.
2. Meet your claims specialist
We’ll assign a claims specialist to help with your claim and contact you within 24 hours (but usually within minutes).
- They will assist you throughout the claims process and can provide information on next steps.
- They can help if you need payment assistance (e.g., for additional living expenses).
3. We evaluate & inspect
Your claims specialist evaluates your claim and gathers facts about the cause and amount of damage.
The evaluation will likely include an inspection of the damages. Depending on the specifics of your claim, the inspection may be conducted at your home or virtually.
- You may be asked to submit additional documents, an inventory of damaged property, or other information.
- Keep receipts for temporary repairs, additional living expenses, or other claim-related costs.
4. We estimate & determine coverage
Your claims specialist prepares an estimate of damages, reviews the claims evaluation findings, and reviews your insurance policy.
Once complete, they will explain your available coverage.
5. Get your payment & start repairs
Your claims specialist can now issue payments based on the terms of your policy.
You can choose to receive your funds by:
- Direct deposit.
- A printable electronic check.
- A mailed check.
Note: If you have a mortgage, your lender may have the right to be included as a payee. If a contractor asked you to sign a “direction to pay,” we may be required to pay the contractor directly.
6. Congratulations! Your claim is done
Your claim is now resolved, but we’re always here to help you keep your home safe.
- If you or your contractor discover additional damages, contact us immediately so we can help.
- If you’d like to learn about ways to strengthen your home to prevent future losses, we have great information on our website and you can always contact us.
Know your rights
Many states have documents that outline your rights in a claim as a homeowner. (This is good information to review before you have a claim!)
Help fight insurance fraud
After a major disaster, the potential for scams is high. For example, you may receive unsolicited visits from contractors looking to game the system. As a rule, if you didn’t request these visits, send them on their way.
If you think insurance fraud has been or is being committed, call the NICB hotline at 1-800-835-6422 or text "FRAUD" and your tip to 847411. Tips can be anonymous.