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The Claims Process
We are here to help guide you through every step of the claims process. After reporting a claim, you will hear back from one of our professional adjusters within 24 hours.
How Long Does It Take?
Most claims can be settled in less than 30 days. Claims that involve extensive damage may take longer. After a hurricane, there may be a delay, due to a greater demand for contractors, roofers, water damage specialists and others, to provide estimates.
Report Your Claim
Please report your claim as soon as possible by contacting your agent, calling our toll-free number, 1-866-482-5246, or filling out our online form.
We'll Contact You
After your claim is received, a representative will contact you to discuss the claim, and if required, schedule a date and time to inspect the loss.
Damage Assessment
Once the adjuster has inspected the loss, collected your information, and reviewed any pertinent documents, a report is submitted for review.
Coverage Verification
During the review process, the adjuster checks to verify that the policy includes appropriate coverage of the damages incurred.
Payment
Finally, payment is issued less the applicable deductible. For certain types of loss, there may be coverage restrictions. If it is determined that the loss is not covered or if the damage is less than the deductible, you will receive a letter of explanation.
Fast and Reliable Claims Support
We partner with our sister company, Harbor Claims, who has an excellent track record for fast and fair claims processing. Even during devastating storm seasons, we settled claims in an average of 20 days. Our network of more than 200 experienced adjusters is ready to respond at a moment’s notice, in the event of catastrophic damage.
Harbor Claims' Commitment to You
Our mission is to provide each policyholder with professional, effective claim service in a timely and equitable manner, while cultivating a courteous, service-oriented relationship.
The Principles That Guide Our Claims Team
All claims will be acknowledged within 24 hours of receipt.
Claims are evaluated promptly, fairly, and based on individual merit.
Prompt payment will be dispersed for all meritorious and undisputed claims.
Denied claims include a clear explanation with references to the policy, claim facts, and law.
We respond promptly to all communication with customers to help settle claims quickly.