Claim Process

Catastrophe Claim Reporting

We are sorry that you have experienced damage to your home and know how upsetting it is. We are here to help.


1. In case of fire, water, or other emergencies that put your family or you in danger, please call 9-1-1.


2. For all non-life-threatening incidents, contact a local service provider, such as a 24-hour plumber, roofing, electrical, or home contractor, to secure your home and prevent further damage. See general information below for more details.


3. File a claim

If you need to speak with someone immediately, please dial 800-648-1794, and press 1. Our claims agents are available during the week from 9 am to 4 pm, and our 24-hour reporting service is available evenings and weekends.

• If you have registered in our portal, you can log in and report a loss using an online form here. An agent will get back with you the same or next business day.

• You can report a loss using this form as well.

General Information

  • You are authorized to make emergency and temporary repairs to protect your home from further damage.  This is your responsibility under your policy.  Do not make final repairs until authorized by us or our adjuster.
  • Take pictures of any damage you suffer.
  • Keep receipts for the cost of any emergency repairs you make before our adjuster inspects the damage.
  • Do not dispose of any property until our adjuster has seen it.
  • If a tree is on your home, you are authorized to contact a tree removal company to schedule its removal as soon as possible or we can get you on the list of the tree company we work with. Delays are likely.  If the policy form is a DP-2 (tenant-occupied dwelling), coverage for this expense is limited to $1,000. 
  • If your roof has been penetrated and the interior is exposed to the elements, you are authorized to hire a contractor to cover the open areas of your home.
  • If a tree is on other structures, e.g. fence, storage shed, etc. and does not pose any extra risk, you should probably wait for an adjuster.  It could take a week or so for an adjuster to inspect your damage depending on how many losses with severe damage are being reported.
  • Tree removal costs can vary dramatically during a natural disaster but typically should be in the $1,500 to $3,000 range.  It could cost $5,000 or more for a very large tree or a complex tree removal scenario.  If a quote is for more than $5,000 you should get a second estimate.  You are authorized to have a tree removed from the dwelling if the cost is $1,500 or less.  Our authorization or that of our adjuster is required for tree removal costs of greater than $1,500.  We recommend that you deal with local tree removal companies that you have dealt with previously and who will still be around after the disaster has passed.
Trees lying on home after storm