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

• When will someone come out to look at my home?

  You will be contacted by a claims resolution manager within 1 – 2 business days. An independent adjuster will be assigned to your claim and contact you directly to schedule an inspection.

• When will I receive money to pay for my damages?

  Your assigned claim resolution manager will review the claim process with you during the initial contact call. At that time, the claim process and coverage can be discussed. 

• What is my deductible?

  Your resolution manager assigned to your claim will provide deductible information. The deductible may also be found on the declarations page of your policy. 

• Can I start cleaning up the damages?

  Yes, please mitigate to prevent any further damage to your property. We ask that you take pictures before and during any temporary work that is performed. Also, please save any damaged parts from appliances, and if you are throwing out carpet or tile, please save a sample in case the adjuster requests it.

• Can I cancel my claim later if I want to?

  You may withdraw your claim at any time once you speak with your claim resolution manager.

• How can I reach my claim resolution manager?

  For Flood and Homeowners claims, you can call the claims department at 727.308.0496 between 8:00 am and 5:00 pm ET or via email at csc@bankersinsurance.com. For Commercial and Builders Risk claims, after you report a claim, your claim resolution manager will provide you with their contact information. Or you can call 844.233.8405.

• Where can I send documents and photos for my resolution manager to review?

  For Flood and Homeowners claims, all documents and photos should be sent to csc@bankersinsurance.com. We ask that you please include the claim number in the subject line so that we can match it to your claim. For Commercial and Builders Risk claims, all documents and photos can be sent directly to your claim resolution manager. We ask that you also please include the claim number in the subject line. When you are reporting a claim for the first time, all documents and photos should be sent to BankersInsuranceClaim@mvsc.com.

• Can I enter a claim online?

  Yes. For Homeowners and Flood claims, you can enter a claim through the consumer portal at consumerportal.bankersinsurance.com. Make sure you have your account set up. If you have not set up your account, follow the steps below

  • Have your Policy Number ready.
  • Head to our Consumer Portal to create an account.

  We’ll walk you through the steps of linking your policy to your account, and then you’re all set! 

  We are unable to report Commercial and Builders Risk claims online. To file a commercial or builders risk claim, please contact 844.233.8405, or send an email to BankersInsuranceClaim@mvsc.com. Note: If you are filing a commercial construction defect claim, please call Bankers at 727.308.0496 during the hours of 8:00 am – 5:00 pm ET.