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Carriers & Claims

Allied Trust

Customer Service: 844-200-2842
Claims: 844-200-2842, option 1


American Modern

Customer Service: 1-800-543-2644
Claims: 800-375-2075


Assurant Flood

Customer Service: 1-800-423-4403
Claims: 1-800-423-4403



Customer Service: 855-444-1875
Claims: 855-444-1875
Roadside Assistance
: 855-444-1875


Customer Service: 1-800-262-9262
Claims: 1-800-588-7400



Customer Service: 800-392-2202
Claims: 877-437-6264
Roadside Assistance
: 1-855-548-3455


Customer Service: 1-800-673-2465
Claims: 1-888-639-2567



Customer Service: 800-585-0705
Claims: 855-999-9746


Infinity/Kemper Auto

Customer Service: 1-800-690-3818
Claims: 1-800-353-6737



Customer Service: 1-844-733-8666
Claims: 844-733-8666



Customer Service: 1-800-431-1270 
Claims: 1-800-362-7535



Customer Service: 800-638-5433
Claims: 1-800-854-6011


National Summit

Customer Service: 1-800-749-6419
Claims: 1-800-749-6419



Customer Service: 727-202-4815
Claims: 727-202-4815



Customer Service: 1-888-671-4405
Claims: 1-800-776-4737


Safeco Insurance

Customer Service: 1-800-332-3226
Claims: 1-800-332-3226


Texas Mutual

Customer Service: 800-859-5995
Claims: (800) 859-5995



Customer Service: 800-880-0474
Claims: 800-880-0474



Customer Service: 800-726-6033
Claims: 1-800-255-7828
Roadside Assistance: 1-877-597-3393

American Risk Insurance (ARI)

Customer Service: 1-866-711-1979
Claims: 1-866-635-9959


Branch Insurance

Customer Service: 833-427-2624
Claims: 833-427-2624


Commonwealth Insurance

Customer Service: 877-603 1310
Claims: 877-603-1310



Customer Service: 800-527-3905
Claims: 800-527-3907
Roadside Assistance
: 800-554-6678

Go Car Insurance

Customer Service: 877-464-2779
Claims: 855-457-5421


The Hartford

Customer Service: 1-866-467-8730
Claims: 1-800-327-3636
Roadside Assistance
: 800-322-7789

Homeowners of America

Customer Service: 866-407-9896
Claims: 866-407-9896


Kemper Preferred

Customer Service: 866-860-9348
Claims: 888-252-2799


Liberty Mutual

Customer Service: 800-290-8711
Claims: 800-225-2467



Customer Service: 855-739-2103
Claims: 800-503-3724


National General

Customer Service: 1-800-462-2123
Claims: 1-800-468-3466



Customer Service: 1-877-669-6877
Claims: 1-800-421-3535



Customer Service: 888-808-4842
Claims: 888-808-4842


RT Specialty

Customer Service: 888-867-1124
Claims: 888-867-1124


State Auto

Customer Service: 1-833-724-3577
Claims: 1-877-722-5246



Customer Service: 1-800-842-5075
Claims: 1-800-252-4633


Wright Flood

Customer Service: 1-800-725-9472
Claims: 1-800-725-9472


Claims FAQ

How do I initiate the claims process?

To initiate the claims process, you typically need to contact your insurance company or agent directly. They will guide you through the necessary steps and provide you with the required forms or online tools to start the claim.

What information and documentation do I need to provide when filing a claim?

The information and documentation required may include your policy number, contact details, date and details of the incident, any relevant police or accident reports, photographs or videos of the damages or losses, and any supporting documentation such as medical bills or repair estimates.

What is the deadline for submitting a claim?

The deadline for submitting a claim, also known as the "claims notification period," varies depending on the insurance company and the type of insurance policy you have. It's important to review your policy documents or contact your insurance provider to determine the specific deadline.

What types of damages or incidents are covered by my insurance policy?

The coverage provided by your insurance policy depends on the terms and conditions outlined in the policy document. It's crucial to review your policy or consult with your insurance agent to understand the specific incidents or damages that are covered.

What is the deductible, and how does it affect my claim?

A deductible is the portion of the claim that you are responsible for paying out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and your claim amount is $2,000, you would pay $500, and the insurance company would cover the remaining $1,500.

Will filing a claim affect my insurance premium or policy renewal?

Filing a claim can sometimes affect your insurance premium or policy renewal. Depending on the circumstances and your claims history, your insurance company may increase your premium or choose not to renew your policy. It's best to consult with your insurance provider to understand the potential impact on your specific situation.

How long will it take to process my claim?

The time it takes to process a claim can vary depending on factors such as the complexity of the claim, the availability of necessary documentation, and the workload of the insurance company. Simple claims can be processed relatively quickly, while more complex claims may take longer. Your insurance provider can provide an estimated timeframe for your claim.

Will I need to obtain estimates or quotes for repairs?

In some cases, your insurance company may require you to obtain estimates or quotes for repairs. This helps in assessing the damages and determining the appropriate settlement amount. Check with your insurance provider to understand their specific requirements.

Do I need to provide any additional evidence, such as photographs or witness statements?

Providing additional evidence, such as photographs, videos, or witness statements, can support your claim and help expedite the process. It's advisable to provide any relevant evidence that can validate your claim and provide a clear picture of the damages or losses.

Will an adjuster need to assess the damages or losses?

In many cases, an adjuster will need to assess the damages or losses associated with your claim. The adjuster will evaluate the situation, inspect the property or vehicle, review the documentation, and provide an expert opinion on the value of the claim.

How will the settlement amount be determined?

The settlement amount is typically determined based on various factors, including the coverage provided by your policy, the adjuster's assessment, any applicable deductibles, and the terms outlined in your insurance contract. Your insurance company will work with you to reach a fair and reasonable settlement.

What are my options if my claim is denied?

If your claim is denied, you can review the denial letter provided by your insurance company to understand the reasons for the denial. You may have options to appeal the decision, provide additional information or documentation, or seek guidance from an attorney or insurance regulatory authority, depending on your jurisdiction.

Can I choose my own repair shop or contractor?

Depending on your insurance policy, you may have the flexibility to choose your own repair shop or contractor. However, some insurance companies may have preferred or approved vendors. It's advisable to check with your insurance provider to understand their guidelines regarding repair shop or contractor selection.

Can I receive an advance payment to cover immediate expenses?

In some cases, insurance companies may offer advance payments to cover immediate expenses, especially for claims involving urgent situations such as property damage or temporary living arrangements. Contact your insurance provider to inquire about the availability of advance payments and the process to request them.

How can I track the progress of my claim?

Your insurance provider should provide you with a claims reference number and a point of contact to track the progress of your claim. You can reach out to this contact or use any online tools or portals provided by your insurance company to stay updated on the status of your claim.

Will my policy cover temporary living expenses if my home is uninhabitable?

Depending on your homeowners' insurance policy, coverage for temporary living expenses (also known as "loss of use" or "additional living expenses") may be included if your home is uninhabitable due to a covered incident. Review your policy documents or consult with your insurance provider to understand the specific coverage provided.

What if I have additional questions during the claims process?

If you have additional questions during the claims process, it's best to contact your insurance company or agent directly. They have the expertise to address your concerns and provide you with the necessary information and guidance.

How does the claims process differ for different types of insurance (auto, home, renters, etc.)?

The claims process can vary for different types of insurance. Each type of insurance has specific procedures, requirements, and coverage considerations. It's important to familiarize yourself with the claims process outlined in your policy and seek clarification from your insurance provider regarding any specific requirements.

Will my insurance company communicate directly with the other party involved in the incident?

Depending on the situation, your insurance company may communicate directly with the other party involved in the incident, especially if liability or damages need to be assessed. This can facilitate the resolution of the claim and any potential subrogation processes.

What should I do if I disagree with the settlement offer?

If you disagree with the settlement offer, you can discuss your concerns with your insurance company or claims adjuster. Provide any additional documentation or evidence that supports your position. You may also have the option to appeal the decision or seek legal advice if necessary.

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