Home: Types of Claims

There's a procedure for everything.
These are ours.

While filing a claim is a rare occurrence for you, it's an everyday thing for us. We've seen — and helped people recover from — a lot of situations over the years. These are our suggestions of how to handle the most common types of home-related problems.

1. Water Losses

If you suffer water damage, take reasonable measures to dry the area before reporting your claim. If you're not sure if you have coverage, check your policy or call customer service at 800.342.5342.

  • Always put safety first — if water is leaking through a ceiling or near an electrical source, avoid the area and contact professionals
  • Remove personal property that may be affected by water
  • Make an itemized list of any items you believe to be damaged by the water, including brand, model, age, and brief description
  • Contact a water mitigation company if your loss requires their services
    • ServPro is our preferred vendor for water mitigation services
    • ServPro professionals are available 24/7 to respond to your situation
  • If your water loss is a direct result of the failure of an appliance or structural component, please contact a repair technician and keep any receipts and replaced parts
    • With this evidence, we may be able to recover all, or a portion of, your deductible from the manufacturer

Electric Insurance offers Flood Policies to supplement your homeowners or tenants policy. For more information call 800.342.5342.

 

2. Fire Losses

If you suffer a fire loss in your home and you're not sure if you have coverage, check your policy for your exact coverage. Although most policies include fire loss coverage, exclusions may apply.

  • Don't report your claim until after the fire is out and the scene has been secured and deemed safe
  • If the fire displaces you from your home, be sure to tell the adjuster so we can take steps to expedite the claims process for you
  • Make an itemized list of any items you believe to be damaged by the fire, including brand, model, age, and brief description
  • For smaller losses involving smoke damage, contact a professional restoration company
  • ServPro is our preferred vendor for restoration services
  • ServPro has professionals available 24/7 to respond to your situation.
  • If your fire loss is a direct result of an appliance or product malfunction, keep the product in question, as well as any purchase or repair receipts associated with it
    • With this information, we may be able to recover all, or a portion of, your deductible from the manufacturer

3. Loss or Theft of Personal Property or Burglary

If you suffer from this type of loss, please contact us immediately to report the claim.

  • For losses involving theft or burglary, first call the police and file a report
  • If your loss involves multiple items, make an itemized list of items you believe missing
    • Include brand, model, age, and brief description
    • Get a basic personal property inventory sheet here
  • If possible, find sales receipts or appraisals to support the value of the items
  • If police were notified, obtain the report or case number and the investigating officers information
  • Once the loss is reported, a claim form will be sent to you via mail, fax, or e-mail
  • When the adjuster has reviewed your completed paperwork, he/she will discuss claim options with you
  • In order to issue payment, we MUST have a police report, as well as a notarized affidavit form

4. All Other Losses

There are many common types of losses which may not require the urgency of fire or standing water. These losses can include:

  • Wind damage
  • Hail damage
  • Fallen trees or limbs
  • Power Surge

Once your claim is reported, it may be a good idea to contact a contractor to come assess the damages. Some situations, such as damage to a roof or hanging tree limbs, may warrant temporary repairs in order to prevent further damage. You don't need your adjuster to approve these temporary repairs as long as they are within reason. The adjuster does, however, have the right to review, question, and possibly deny reimbursement for repair charges determined to be excessive or unjustified. An example of an acceptable temporary repair would be hiring a roofing contractor to re-install missing shingles. This is acceptable because if the shingles are not repaired, further damage may occur.

To report these losses, call 800.342.5342.

 

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