Claims Process

Less back. More forth.

Our number one goal is making sure you and your family are protected. This means providing the right coverage from day one. It also means helping you get back on your feet if you ever have to file an insurance claim. Here’s how we do it.
girls running on beach

Claims Process: Step-by-Step Instructions

Step One

Call us first 888.544.4885. Our claims line is available 24/7 to serve you and to provide emergency assistance.

On your initial call, we will get your contact information and assign your insurance claim a number. Write it down and save it for reference. Call us at any point, even after your claim has been paid, to speak with a specialist.

Step Two

Your insurance claim will be assigned to a field adjuster who will contact you to schedule a property inspection. In the meantime, take pictures and start a list of all your damaged items being as detailed as possible. The more documentation of your damage you can provide, the more efficiently we can settle your claim.

Step Three

Take all reasonable measures to protect your home from further damage. Don’t wait for an adjuster to inspect your home. If the damage is covered under your policy, we will include the cost to protect your property in our total calculation. So save all your receipts if you must perform temporary repairs or find temporary living arrangements.

Step Four

Document all damage, no matter how minor, with photos. Provide all photos, receipts, and the detailed list of damaged items to your field adjuster when you meet on-site. When the adjuster inspects your property, he/she will also take pictures, survey the damage and may take your statement in order to determine what needs to be repaired or replaced. The field adjuster will then prepare a report estimating your covered damages, including to your home, personal property, and unattached structures.

Step Five

This report will be submitted to an insurance claims examiner for review. The examiner will also review the specific terms and conditions of your policy. The examiner or adjuster may contact you for additional information, or we may need to consult with independent experts (engineers, architects, etc.) to fully assess the value of your claim.

Step Six

If the examiner determines your damage is covered, payment will be released to you. If we determine any part of your damage is not covered, we will inform you of our decision and of the applicable policy terms and conditions upon which we are basing our decision.

Avoid contractor fraud or door-to-door contractors. Never sign anything unless you’re 100% sure. Discuss with your Claim Examiner before signing any contracts.

Step Seven

If more damages are found during the repair process, which were not identified during the field adjuster’s inspection, call your adjuster immediately. He/she may need to schedule a follow-up inspection to determine if a supplemental estimate is needed.

*Note: Call center representatives and field adjusters do not have the authority to discuss coverage or settle claims.