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. You can also call us at 866-204-2219 or email email@example.com.
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. Plus, we offer a full Managed Repair Program so you can rebuild and get your life back to normal faster.
Here’s how our claims process works.
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:
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.
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:
As soon as this is complete, they’ll contact you to explain your estimated damages and your available coverage.
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.
For repairs, you may have the option to use our Managed Repair program. This can lower your deductible and provide a guarantee on workmanship.
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:
If your loss is still in progress (e.g., a water leak), we can assist you with mitigation services.
We’ll assign a claims specialist to help with your claim and contact you within 24 hours (but usually within minutes).
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.
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.
Your claims specialist can now issue payments based on the terms of your policy.
You can choose to receive your funds by:
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.
For repairs, you may have the option to use our Managed Repair Program. This can lower your deductible and provide a guarantee on workmanship.
Your claim is now resolved, but we’re always here to help you keep your home safe.
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.
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