Claims
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From minor mishaps to major catastrophes, our team is ready to handle your claim. Our streamlined process makes it easy to report a claim and get it resolved in a timely manner.
When we say we’re here for you, we really mean it. Our service representatives are available 24 hours a day, 365 days a year to answer your call.
(877) 234-4401
(888) 481-1141
If you have a separate flood policy with Centauri, you may also visit Manage My Flood Policy to file a Notice of Loss or review your policy documents.
You may also access your policy and file a claim online at Manage My Commercial Policy.
Customer service is our top priority. We handle each claim in a timely manner and work with you every step of the way. Each claim is different, but our process is straightforward. We understand that dealing with a loss can be a stressful experience. Our team is dedicated to making the claims process simple and swift. Here’s what you can expect from Centauri’s simple claims process:
An insurance claim can first be reported by:
If you have a separate flood policy through the National Flood Insurance Program (NFIP), please call 888.481.1141 to report your flood claim and file your Notice of Loss.
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.
This is an outline of Centauri’s claims process and is for informational purposes only. Your claim process may be different based on the unique characteristics of your loss. Please refer to your policy contract for coverages, conditions and exclusions.
The process to get back to where you were before a loss can take some time, but our goal is to help you get there as swiftly as possible. When a loss occurs, it is easy to feel overwhelmed. Use this guide to learn how to protect your family and your property after a disaster.
Safety is your number one priority. Take the following steps in the event of a loss:
When you are ready to report a claim, contact our claims representatives who are available 24 hours a day, 365 days a year.
Our team will work with you to ensure that you are fairly compensated for your loss. Once repairs are underway, we help to ensure your property is properly restored so your life can return to normal. Whether you perform the repairs yourself or choose to hire a contractor, be sure you pick the best option to ensure your property is restored.
Once repairs are underway, your contractor may find additional items that need to be repaired. If this happens, your contractor should contact your claims representative directly to discuss next steps, which may include another inspection.
Phone
866.318.4113 (Personal Lines)
Address
P.O. Box 100117
Columbia, SC 29202-3117