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Filing a Claim Starts With Your Carrier.
Your policy is written and backed by the carrier we bound it with — that's who handles your claim directly, fastest. Here's exactly how to file, and how we can still help.
How Claims Work
Your Claim Is Handled by Your Carrier
When we bind your policy, it’s written through a specific insurance carrier — and that carrier owns the claims process from first notice through payout. Filing directly with them is always the fastest path.
Call Your Carrier First
Most carriers offer a 24/7 claims line and online portal — the fastest way to open a claim and get an adjuster assigned.
Keep Your Policy Info Handy
Your policy number and carrier name are on your declarations page — if you can’t find it, we’re happy to look it up for you.
Call Us With Questions
Not sure if something is covered? We’re glad to help you understand your policy at any point.
Carrier Claims Contacts
Report Your Claim Directly to Your Carrier
Contact details below are placeholders until each carrier relationship is finalized on your account. Once your policy is bound, your declarations page will list your specific carrier’s claims line and portal.
Carrier A — Personal Lines
24/7 Claims Line: [Carrier Phone Number]
Claims Portal: [Carrier Website]
Carrier B — Personal Lines
24/7 Claims Line: [Carrier Phone Number]
Claims Portal: [Carrier Website]
Carrier C — Commercial Lines
24/7 Claims Line: [Carrier Phone Number]
Claims Portal: [Carrier Website]
Not sure which carrier holds your policy? Call us at 737-477-8228 and we’ll look it up right away.
Filing a Claim
Step-by-Step: What To Do First
- 1. Ensure Safety First. Address any immediate safety concerns before anything else — call 911 if needed.
- 2. Document the Incident. Photos, a written account, and any police or incident report numbers help your claim move faster.
- 3. Contact Your Carrier Directly. Use the claims line or portal for the carrier your policy is written through.
- 4. Get Your Claim Number. Save it, along with your adjuster's direct contact information.
- 5. Call us with any questions. We’re glad to help you understand your coverage at any point in the process.
Claim Tips
A Few Things That Help
- —Keep a written log of every conversation, including dates, names, and reference numbers.
- —Don't sign anything from a carrier or adjuster before reading it carefully — ask us if anything is unclear.
- —Get repair estimates from more than one shop or contractor when possible.
- —Save receipts for any temporary living or repair expenses — they may be reimbursable.
- —Call us before assuming something isn't covered — policy language is rarely as simple as it looks.
After Hours
Support Outside Business Hours
Accidents and emergencies don’t wait for business hours. Your carrier’s 24/7 claims line is always your fastest option any time, day or night. If you have questions about your coverage itself, call us during business hours and we’ll help you understand where things stand.
Business Hours
Your carrier’s 24/7 claims line remains available at all times.
Have a Coverage Question Before You File?
Understanding your policy before you ever need to use it is exactly what we're here for.