Filing a Claim with InsureMy
What to Do When Something Goes Wrong
A loss is stressful enough without also having to figure out where to start. Whether it’s a burst pipe, a fender bender, or storm damage to your business, InsureMy makes reporting a claim straightforward and supports you through the process once it’s underway.
Connected Insurance Solutions for a Connected World™
How to Report a Claim
Carrier Claims Directory
Contact your insurance company directly using the information below. If you’re not sure which carrier your policy is with, check your policy documents or call us and we’ll confirm.
Immediate Steps After a Loss
Step 1: Ensure safety first.
Call emergency services before anything else if anyone is injured or in danger.
Step 2: Prevent further damage where safely possible.
Shutting off water at its source, for example, can support your claim.
Step 3: Photograph the damage before cleanup.
This gives your adjuster a clear record and helps prevent disputes later.
What to Have Ready
Your name, address, and the InsureMy advisor you work with
Date, time, and circumstances of the incident
Your preferred contact method and details
A list of damages and any supporting documentation, such as a police report
What Happens After You File a Claim
Your insurer assigns an adjuster, who reviews the details, may inspect the damage or request documentation, and determines next steps once the assessment is complete. Straightforward claims with clear documentation move fastest; claims that require inspection or involve disputed liability take longer. Thorough documentation upfront keeps things moving.
Common Types of Claims InsureMy Helps With
Home and condo:
Fire, water damage, theft, weather-related losses
Auto:
Collisions, theft, vandalism, hail damage
Recreational vehicle:
ATV, RV, snowmobile, watercraft incidents
Commercial:
Property damage, liability, business interruption
Travel:
Emergency medical and trip cancellation or interruption
Your Deductible Before You File
Every policy carries a deductible, the amount you’re responsible for before coverage kicks in. For smaller losses, check whether repairs exceed your deductible, since a claim below that threshold usually means paying the full cost yourself anyway. Your advisor can help you weigh whether filing makes sense.
Your Advisor Stays on the File
Claims support doesn’t end once your file is with the adjuster. If timelines stall, communication goes quiet, or you’re unsure what a decision means for you, your advisor can step in and follow up for you.
Claims FAQs
As soon as possible. Reporting promptly, including through the after-hours emergency line if needed, helps prevent further damage and speeds up the assessment process.
It can, depending on the type and frequency of claims. Your advisor can walk you through how a specific claim might affect your policy going forward.
Yes. You can report a claim by phone, email at [email protected], or fax, whichever is most convenient.
Not usually. Your adjuster typically arranges for repair estimates as part of the claims process, though your advisor can confirm this for your specific situation.
You can contact InsureMy at any point during the process, and an advisor will provide the information and assistance you need.
Talk to an advisor
If you’ve experienced a loss and aren’t sure where to start.