What To Expect After Reporting Your Property Claim
1. We will contact you and evaluate the damage to your property
After you file your claim, we will contact you to determine how to evaluate your loss. We will conduct the evaluation via an on-site visit or virtually, such as a video chat or by reviewing photos/videos that you provide. Your Claim professional will let you know which option is best based on the nature and severity of your loss.
If the damage to your property is extensive, we will schedule an appointment to estimate the value of your loss. Your Claim professional will meet you in person to take pictures and measurements. Our inspection may include the use of traditional or digital measurement tools. For example, we may use a drone equipped with high-resolution cameras to evaluate your loss if there is damage to your roof or other hard-to-reach areas of your property.
If the damage to your property is less severe, we may be able to estimate the value of your loss without physically visiting your property. If you have a smartphone (or another connected device with a camera e.g., tablet, computer), we may be able to determine the value of your loss by video chat or photos/videos that you provide to us.
2. Receive your payment
If we determine that your loss is covered by your policy, we may issue a payment at the time of our visit or shortly after we provide an estimate. Please note that your deductible will be subtracted from this payment.
Depending on the loss and who needs to be paid, we may be able to have your payment sent electronically via one of our ePay options, which allows money to be directly deposited into your bank or PayPal account.
If your mortgage company’s or other lienholder’s name must be added to the payment, it cannot be issued electronically. You will be issued a paper check. If your payment includes your mortgage company, you should contact them as soon as possible regarding their payment release requirements.
3. Have your property repaired
The last step is to make repairs. You can do the work yourself or you can hire a contractor. Be sure the contractor you choose is insured and bonded. We encourage you to check references before hiring anyone. If you need help finding a contractor let your Claim professional know. If you hire a contractor, provide them with a copy of our estimate.
If repairs beyond those originally addressed are needed, please contact your Claim professional. We will work with you so that repairs can continue with minimal interruption.
Still have questions? Contact your Travelers Claim professional.
If a covered hazard forces you out of your home, Travelers may compensate you for additional living expenses.
You may be wondering who is responsible if you experience a loss that originated from a common area such as a roof or was caused by another condo or co-op owner.