How do I file a claim with my carrier?

Each carrier has its own claims phone line and online portal. You will find them on that carrier’s page on our site and on your policy documents.

When you call, have your policy number, the date of the loss, a short description of what happened, and photos if you have them. The carrier assigns an adjuster who inspects the damage, reviews your coverage, and works the claim to settlement. Our guide to the first 24 hours after a loss covers what to document and what to avoid saying while the claim is fresh.

You can also call us and we will help you start the claim and walk you through what to expect. That is part of what an independent agent is for. And if you are not sure what your policy would actually cover in a loss, a free coverage review answers that before you ever need to file.