We want to provide a clear understanding of the process, along with the roles and responsibilities of the insurance professionals involved.
Once you submit your claim, a team of professionals is assigned to your claim and a Claim Examiner will contact you to gather additional info as needed. Our goal is to contact you within 24-48 hours. The Claim Examiner is responsible for managing the claim throughout the process.
During a major catastrophe, don’t be alarmed if a new Claim Examiner is assigned to your claim. This doesn’t mean that the process will be longer; multiple Claim Examiners have the expertise to manage your claim and we make reassignments sometimes to move the claim through the process faster and as we expand our teams.
A Claim Adjuster will contact you to schedule an appointment to assess the damage to your home. Claim Adjusters are licensed professionals who specialize in inspecting and reporting damage to the insured property.
It’s important for you to schedule the appointment when you will be home and can meet with the Claim Adjuster in person. If you aren’t home when the adjuster arrives, we’ll need to reschedule the appointment and that means the claim process will take longer than necessary.
The Claim Adjuster will complete a damage report and will submit it to the Claim Examiner. Completing this report can take up to 3-5 days from the time of the appointment.
The Claim Examiner can also refer you to a licensed and insured contractor in your area. Here's a helpful guide with tips for hiring a contractor. Please keep on the look out for fraudulent contractors, often called "Storm Chasers". These contractors are looking to take advantage of homeowners after a major storm and often use an assignment of benefits contract to steal your rights to your claim, including the claim payment.
Your Claim Examiner will then review the adjuster’s report along with your policy’s coverage to determine the claim settlement. You will also receive an email with your claim settlement information.
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