You can report a claim by phone, online (see above) or by contacting your independent insurance agent. You should also:

• Record the damages.
• Submit photos and documentation of the damages.
• Take steps to prevent additional damage.

If you need us to arrange mitigation services, particularly if you sustained a fire or water loss, we’re happy to help. We maintain partnerships with expert mitigation companies in your area that have been vetted for the quality of their work and their communication with customers. 

After your claim is reported, one of our claims professionals will contact you to learn how the loss occurred and what damages were sustained.

This information is important in helping us to understand the cause of loss and resulting damage when properly applying the coverages available under your policy for the loss. It also lets us know what help you may need. For example, you may need assistance finding temporary housing if a large loss has rendered your home temporarily unlivable.

In most cases, an in-person inspection of the damages will be needed in order to resolve your claim. We have field professionals in your area who will inspect the damages to your home and contents, document the damages with photos, and prepare a repair estimate based on the inspection.  

The claim professional will compare the results of the field inspection to the terms of your policy. They will explain the basis of any payment due under the policy and provide you with a copy of the estimate.  

Damages will be repaired by a contractor(s) of your choice. It is important to provide them with a copy of our estimate. If they identify additional damages or work to be done, they can contact us so we can perform an additional review.