Claims Process

We handle every claim quickly and with compassion

We know how stressful it can be getting back on your feet after something unexpected happens. It is our goal to handle every claim quickly, accurately and fairly to ensure as little disruption to you as possible. Whenever you do have a claim, follow these steps below.

The Prepared Claims Process

Step One

Call us first (877) 511-7737. Our claims line is available 24/7 to serve you and to provide emergency assistance.

Step Two

We will immediately assign one of our Claims Examiners to your claim and they will contact you the same day to discuss your claim.

Step Three

Take reasonable measures to protect your property from further damage and keep records of all cost related to the temporary repairs.

Step Four

Document all damage, no matter how minor, with photos.

Step Five

Create a detailed list of damaged or destroyed property for your adjustor.

Step Six

Avoid contractor fraud or door-to-door contractors. Never sign anything unless you’re 100% sure. Discuss with you Claim Examiner before signing any contracts. Learn more about Assignment of Benefits (AOB) fraud.

Emergency Water Losses

Stay Safe, Act Quickly

We can recommend and dispatch a qualified water mitigation expert when you call to report your claim. Do not turn on any electrical switches until your system has been checked. Turn off your main switch by standing on a dry surface and using a piece of heavy rubber, plastic or dry wood. If you notice a gas odor, call the gas company immediately. If you need emergency housing, advise us, and we can help secure it for you. Keep all of your receipts. Emergency advances may be issued if necessary.

Prevent Further Damage

Take steps to protect your property from further damage. Board up holes or shut off water supplies. Move items away from flooded parts of your home. Save your receipts—any reasonable costs associated with protecting your property from further damage may be reimbursable.

Health Hazards

The indoor air quality in your home may appear to be the least of your problems. However, contaminated materials, moisture and humidity can present serious long-term health risks. They can cause disease, trigger allergic reactions and continue to damage materials long after the flood.

When You Enter Your Home

Take photos of any damage, and keep receipts of any funds you spend for emergency supplies. If you do not feel it is safe to enter your home, wait for the Emergency Mitigation personnel who we will dispatch to assist you.

Your Adjuster

If we assign a field adjuster to your claim the adjuster will provide official identification to you at the time of the inspection. The field adjuster will also assess the damage and investigate to verify the cause of the loss.

Flood Claims

Prepared flood insurance policyholders can file a flood claim 24/7. Please call: 877.254.6819

Learn more information about our Flood Insurance policy.

Homeowner Bill of Rights

Click here to read your rights as a policyholder when you file a claim. We will work with you throughout the entire claim process. We’ll do our best to explain the entire process and assist you along the way.

Federal Flood Assistance from FEMA

If you need government assistance, it may be available through FEMA. Follow these tips.

  • Apply within 60 days of loss
  • You will need your SSNs for all family members living in the home, insurance information, tax returns with total annual household income and description of losses. You will also need your bank account information
  • Take photos of all damage, then place debris at the street for trash collection if possible
  • Visit DisasterAssistance.gov to apply for assistance online or call (800) 621-3362. Standard hours at 7am-11pm EST, 7 days a week
  • If you are eligible for an Individual Assistance grant, you are not required to pay back the grant to FEMA