skip to main content
Travelers Home Page
  • About
  • Careers
  • Agents
  • Investors
  • Contact Us

Register now
Problems logging in?
  • For Individuals
    • Overview
    • Products
      • Car
      • Home
      • Renters
      • Condo
      • Landlord
      • Boat & Yacht
      • Travel
      • Weddings
      • Umbrella
      • All Products
    • Prepare & Prevent
      • Insurance 101
      • Home Central
      • Travelers Garage
    • Affinity Group Discount
    • Online Service
      • Get a Quote
      • Find an Agent
      • Report a Claim
      • Pay Your Bill
  • For Business
    • Overview
    • Products & Solutions
      • Overview
      • Boiler & Machinery
      • Commercial Auto & Trucking
      • Cyber
      • Environmental Liability
      • Excess Casualty & Umbrella
      • General Liability
      • Global Insurance
      • Inland Marine
      • Management & Professional Liability
      • National Programs
      • Ocean Marine
      • Property
      • Small Business Owner's Policy
      • Surety Bonds
      • Workers Compensation
        • Find an Agent
        • Report a Claim
        • Pay Your Bill
    • Industries
      • Overview
      • Agribusiness
      • Architects, Engineers & Surveyors
      • Auto & Truck Dealers
      • Business Services
      • Construction
      • Education
      • Energy & Renewable
      • Equipment Dealers
      • Financial Institutions
      • Food Services
      • Health & Related Services
      • Hospitality & Recreation
      • Manufacturing
      • Marine Industries
      • Museums & Fine Art
      • Non-Profit
      • Oil & Gas
      • Public Entities
      • Real Estate
      • Retail
      • Technology
      • Transportation
      • Wholesale & Distribution
        • Find an Agent
        • Report a Claim
        • Pay Your Bill
    • Services
      • Overview
      • Risk Control
      • Claim
      • Premium Audit
      • Online Customer Tools
      • Risk Management Information Services
      • Travelers Client Advantage
        • Find an Agent
        • Report a Claim
        • Pay Your Bill
    • Small Business
      • Overview
      • Automobile Insurance
      • Business Owner's Policy
      • Data Breach
      • Employment Practices Liability
      • Professional Insurance
      • Umbrella Insurance
      • Workers Compensation Inurance
        • Find an Agent
        • Report a Claim
        • Pay Your Bill
    • Large Business
      • Overview
      • Casualty
      • Cyber
      • Management & Professional Liability
      • Property
        • Find an Agent
        • Report a Claim
        • Pay Your Bill
    • Multinational Business
    • Prepare & Prevent
      • By Topic
      • By Industry
        • Find an Agent
        • Report a Claim
        • Pay Your Bill
      • Find an Agent
      • Report a Claim
      • Pay Your Bill
  • Claim Center
    • Claim Center
    • Should I File a Claim?
    • Report a Claim
    • Roadside Assistance
    • Find a Service Provider
    • Check Your Claim Status
    • Manage Your Claim Experience
      • Claim Reporting Next Steps
      • Claim Guide Library
      • Workers Compensation Resources
    • About Travelers Claim
      • Get a Quote
      • Find an Agent
      • Report a Claim
      • Pay Your Bill
  • Prepare & Prevent
    • For Individuals
    • Home Central
      • Buying & Selling
      • Home Maintenance
      • Home Renovation
      • Home Safety
      • Moving
      • Smart Home
    • Travelers Garage
      • Buying & Selling
      • Car Maintenance
      • Distracted Driving
      • Safe Driving
      • Teen Driving
      • Boating
    • Insurance 101
    • Weather
    • For Business
    • Industries
      • Construction
      • Manufacturing
      • Nonprofit
      • Small Business
      • Technology
    • Topics
      • Business Continuity
      • Cyber
      • Driver and Fleet Safety
      • Facilities Management
      • Internet of Things
      • Product and Services Liability
      • Supply Chain Management
      • Workplace Safety
    • Travelers Risk Index
      • Get a Quote
      • Find an Agent
      • Report a Claim
      • Pay Your Bill
  • About Travelers
    • Overview
      • Awards & Recognition
      • Careers
      • Community
      • Diversity & Inclusion
      • Sustainability
      • History
      • Investors
      • Media Resources
      • News
      • Travelers Championship
      • Travelers Institute
      • Get a Quote
      • Find an Agent
      • Report a Claim
      • Pay Your Bill
    • Get a Quote
    • Find an Agent
    • Report a Claim
    • Pay Your Bill
Main Navigation
  • For Individuals
      • Insurance for Individuals
      • Products
        • Car
        • Home
        • Renters
        • Condo
        • Landlord
        • Boat & Yacht
        • Travel
        • Weddings & Events
        • Umbrella
        • More
      • Prepare & Prevent
        • Insurance 101
        • Home Central
        • Travelers Garage
      • Affinity Group Discount
      • Online Service
    • Get a home quote

      It’s easy to get a free quote for home insurance from Travelers in just a few minutes.

       

      Get a home quote now
  • For Business
      • Products & Solutions
        • Commercial Auto & Trucking
        • Cyber
        • General Liability
        • Management & Professional Liability
        • Property
        • Small Business Owner's Policy
        • Surety Bonds
        • Workers Compensation
        • More
      • Industries
        • Construction
        • Energy & Renewable
        • Financial Institutions
        • Healthcare
        • Manufacturing
        • Real Estate
        • Technology
        • Transportation
        • More
      • Prepare & Prevent
      • Services
        • Risk Control
        • Claim
        • Premium Audit
        • More
      • Pay Your Bill
      • Small Business
      • Large Business
      • Multinational Business
      • For Business Overview
    • The Manufacturing Risk Landscape [Tool]

      The Manufacturing Risk Landscape [Tool]

      Every manufacturing site has its risks. From mobile machinery to cargo theft, explore how Travelers can help in this interactive risk landscape.

      Learn more
  • Claim Center
      • Claim Center
      • Should I File a Claim?
      • Report a Claim
      • Roadside Assistance
      • Find a Service Provider
      • Check Your Claim Status
      • Manage Your Claim Experience
        • Claim Reporting Next Steps
        • Claim Guide Library
        • Workers Compensation Resources
      • About Travelers Claim
    • Send us your receipts, photos, invoices and more with just a push of a button.

      Securely share information with your Claim team.

      Send us your receipts, photos, invoices and more with just a push of a button.

      Upload a File
  • Prepare & Prevent
      • For Individuals
      • Home Central
        • Buying & Selling
        • Home Maintenance
        • Home Renovation
        • Home Safety
        • Moving
        • Smart Home
      • Travelers Garage
        • Buying & Selling
        • Car Maintenance
        • Distracted Driving
        • Safe Driving
        • Teen Driving
        • Boating
      • Insurance 101
      • Weather
      • For Business
      • Industries
        • Construction
        • Energy
        • Manufacturing
        • Nonprofit
        • Small Business
        • Technology
      • Topics
        • Business Continuity
        • Cyber
        • Driver and Fleet Safety
        • Facilities Management
        • Internet of Things
        • Product and Services Liability
        • Supply Chain Management
        • Workplace Safety
      • Travelers Risk Index
    • Our Pressure Test

      Nonprofits: Know Your Risks. Take Our Pressure Test [Tool]

      Are you doing enough to help your nonprofit run and grow safely? This 5-minute test can help identify what may be your biggest nonprofit risk

      Take the test
  • Home
  • Claim Center
  • Manage Claim
  • Guides
  • Your Claim Payment

Your Deductible and Claim Payment

Claim Payment Claim Payment

Below is a brief description to help you understand how we typically determine and issue your claim payment.   

First, we calculate the value of your loss.

We assess your damages to determine the value of your loss. That value along with the provisions in your policy determines what we may pay you. For example, if you have repairable damage to your vehicle, we’ll generally write or review an estimate to help determine the amount that allows the vehicle to be repaired to its pre-loss condition. If you’ve had damage to your home, we’ll typically write or review an estimate to repair or replace your damaged property to determine the value of your loss.*  

Next, we subtract your deductible.

Once the value of your loss is determined, the next factor taken into consideration is your deductible, which is the amount that you may owe in order to have your damaged or stolen item(s) repaired or replaced. Generally, when you purchase a policy, you select certain deductibles that may apply when you have a claim. As a result, that amount will be subtracted from the value of your loss.*

Last, we’ll issue your payment.

Once the value of your damage is assessed, and if we are paying you directly (often we’ll pay repair shops and contractors directly with your permission), you can either have your payment sent electronically via one of our ePay options, which allows money to be directly deposited into your bank or PayPal account or have a check mailed to you. If you have a lein holder or lease holder for your vehicle or property, their name may be included on your check.

 

* Each claim is unique and the value of any damage and the deductible applied is assessed based on the individual facts of each claim.

Additional Resources

Find a Service Provider

Find a Service Provider

Search for a reputable service provider to repair your car or home, or to provide medical care.

Check Your Claim Status

Check Your Claim Status

Find out where you are in the claim process.

Claim guides icon

Claim Guide Library

A collection of materials designed to help you navigate the claim process.

Travelers logo

Travelers and The Travelers Umbrella are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.
© 2019 The Travelers Indemnity Company. All rights reserved.

  • Travelers on Facebook
  • Travelers on YouTube
  • Travelers on Twitter
  • Travelers on LinkedIn
  • Travelers on Instagram
Products & Services
  • For Individuals
  • For Businesses
  • Claim Services
  • Prepare & Prevent
Our Company
  • About Travelers
  • Careers
  • Investors
  • Sustainability
Connect
  • Customer Support
  • MyTravelers®
  • For Agents
Legal & Compliance
  • Terms of Service
  • Privacy & Security
  • Accessibility
  • Producer Compensation Disclosure