Claims Process

the claims process

Filing a claim can be overwhelming, and we are here to help guide you through the process. Our goal is to provide the same exceptional service we would want our families to receive.

Once a claim has been submitted, our team of experts will quickly work to provide assistance and assess the damages. Here’s what to expect after a claim has been filed.

What to Expect After You File a Claim

  1. You will receive a call within 48-72 hours from our desk team to discuss the new claim process. 
  2. Following the call and if an inspection is needed, our independent adjuster will contact you within 3 days to schedule. 
  3. Once inspected, it typically takes 14 days for the independent adjuster to submit their report to our desk team.
  4. Please allow at least 5 days for the desk team to review and contact you regarding the claim conclusion. 

recovering after a loss – policyholder mitigation steps:

1. Make a record of the loss.

Use your phone or camera to take still photos of the damages. Be sure to capture things such as:

  • Interior damage such as cracks in the walls, floor, and ceilings
  • Exterior damage and other structures such as fences and sheds 
  • Damaged furniture and belongings

2. Do what you can to prevent further damage.

Per your policy, you will need to do what you can to prevent further damage to your premises and the contents inside. This includes making temporary repairs such as tarping your roof and boarding windows. Keep your receipts to turn in to the claims adjuster for reimbursement. You will also want to make a copy or take a picture of your receipts for your own records.

3. Be prepared to provide an inventory of your damaged property. 

An adjuster will provide you with instructions on submitting your inventory. 

4. Keep all damaged items for the adjuster to inspect.

Keep all damaged items until the adjuster has had an opportunity to inspect the property and provide you with further instructions.

5. If you need to remove some items, save materials for the adjuster to examine.

If there is major damage and you need to remove items such as flooring, carpet, or drywall, be sure to save some of the materials for the adjuster to examine. You can save items such as damaged tiles, a section of carpet, or a cabinet.

6. Remove hazardous items.

Items may be removed from the home’s interior if they are hazardous to you or could damage your home.

7. You may begin getting estimates for repairs to your home.

Be sure the company you use is fully licensed and insured and provides you with a written estimate. Request their estimates be detailed as to exactly what repairs will be made and the time expected to complete those repairs. You will also want to make sure they guarantee their workmanship.

frequently asked questions

claims center

Whether by phone, email, or our online portal, you can file a claim from anywhere at any time.