Claim with confidence.
File a claim in minutes, track it from any device, talk to a real person when you need one. Most claims are resolved inside ten business days.
How a claim becomes a payout.
Five steps, usually inside ten business days. No phone trees, no surprise paperwork.
- Step 1
You file a claim
Online through the customer portal, by phone with the claims hotline, or through your broker. The first notice of loss takes about four minutes.
- Step 2
An adjuster takes it
Within one business day an adjuster is assigned. They confirm coverage, schedule a survey if needed, and tell you what to expect next.
- Step 3
We assess the loss
The adjuster reviews the damage, gathers documents, and recommends a settlement. Most claims are settled without an on-site survey.
- Step 4
We pay the claim
Once you accept the settlement, payment is released to your bank account. Most payments arrive within two business days of acceptance.
- Step 5
You move on
If anything goes wrong, your adjuster is one call away. If that does not resolve it, you can escalate to your state insurance regulator or the independent ombudsman.
See the full claims process
Three ways to file.
Pick the one that's easiest for you. All three reach the same claims team.
Through your broker
Your broker can file on your behalf and chase the claim if anything is slow.
Find a brokerTrack a claim.
Enter a claim number to see how tracking works.
Claims FAQ.
How long does a claim take?
Most claims are resolved inside ten business days. Complex commercial claims can take longer because they need an on-site survey. Your adjuster will tell you what to expect.
What if I disagree with the adjuster?
Ask for a second review. If that does not resolve the concern, you can take the matter to your state insurance regulator or the independent ombudsman service. Both are free.
Will my premium go up after a claim?
It depends on the cover, your claims history, and the cause of loss. Your adjuster will not be the one deciding renewal pricing; that is a separate process.
Do I need a police report?
For theft, malicious damage, or any third-party claim, yes. For most other claims, no. When in doubt, file one — it does not slow your claim.