Report a Claim

How to report a vehicle insurance claim:

1. As soon as possible, report your claim to us. Please report your auto claim online. You can also contact your broker during business hours to report your claim.
2. A claims representative from your insurance carrier will contact you—generally within 24-48 business hours—to answer your questions and schedule an inspection of your vehicle. Be sure to discuss any questions you have about deductibles, what’s covered, where to take your vehicle, or the repairs with your claims rep at this time.
3. The insurance adjuster set up an inspection for your vehicle’s damage and provide an estimate for repairs, as well as help provide you options for vehicle repair service.
4. If your policy includes coverage for a rental car, your claims representative can make arrangements for one.
5. The adjuster will periodically receive reports on the status of the repair and address any further issues, such as additional damage, payments for additional damage, or changes to the expected completion date, while your vehicle is in the shop. It is generally good practice to ask the adjuster when you expect to hear back from them next, and follow up if necessary.
6. There may be benefits to using the insurance carrier’s network repair shops, such as repair guarantees – make sure to ask your adjuster!

How to report a home insurance claim:

1. As soon as possible, report your claim to us. Please report your home claim online. You can also contact your broker during business hours to report your claim.
2. A claims representative from your insurance carrier will contact you—generally within 24-48 business hours—to answer your questions and schedule an inspection of your property. Be sure to discuss any questions you have about deductibles, what’s covered, or the repairs with your claims rep at this time.
3. If it’s safe to do so, try to protect your property from further loss.
4. Take pictures of the damage.
5. Make a detailed inventory of the damaged property, including:
   • Photos
   • Brand names
   • Model numbers
   • Age
   • Purchase price
   • Place of purchase
   • Other information may be needed
6. Work with your claims adjuster and contractors to estimate repairs.
7. Review estimates and authorize repairs.
8. Keep receipts for temporary repairs, additional living expenses, and other claim-related costs as there may be some coverage available on your policy. Be sure to check with your adjuster if you have any questions.
9. It is generally good practice to ask the adjuster when you expect to hear back from them next, and follow up if necessary.