Property Insurance Claim Questions & Answers

The following questions and answers are designed to help you make informed decisions and effectively navigate the claim process.

What should I do if something of mine has been stolen?

If you haven't done so already, please report the theft to the proper authorities (e.g., local, campus, airport police, etc.) and obtain a case number or a police report. If you would like to file a claim, you can do so online or by calling 800.252.4633.

What is a deductible and how does it work?

A deductible is the dollar amount that is your responsibility as the policyholder. For example, if your policy includes a $1,000 deductible, you will be required to pay that amount towards the repair of the damages or that amount will be deducted from the claim payment sent directly to you. To learn more about deductibles, click here.

To learn more about choosing deductibles for your policy, visit our Home Insurance Deductibles page.

What is my deductible?

Depending on the type of loss you have and the coverages in your policy, your deductibles may differ. If you need further information, log into MyTravelers to view your policy. Please call us at 800.252.4633 from 8AM to 6PM EST, M-F if you would like a Travelers Claim professional to help you determine the deductible for your specific loss.

Is this covered? Who can tell me if this is covered?

A homeowner's policy can cover damages caused by fire, windstorms, hail, lightning and vandalism among other perils. Typically, damage caused by floods and earthquakes are excluded.

If you're still wondering whether your specific damage is covered, please call us at 800.252.4633 from 8AM to 6PM, EST and ask to speak to a Loss Consultation Specialist. If you’ve decided to file a claim, click here to get started.

To learn more about home insurance coverage, visit our Homeowners Insurance Coverage page.

How long do I have to file a claim?

Generally, you have at least 6 months to file a claim. In some states, and depending on your policy, it may be longer. If you are unsure if you should file a claim, some things to think about include:

  • Were there any injuries?
  • Is your home damaged so that you can’t live in it?
  • Are you possibly responsible for damaging someone else’s property?

If so, we encourage you to report your claim as soon as possible. If you're still unsure about whether to file a claim, please call us at 800-252-4633 from 8AM to 6PM EST, M-F.

Please remember that you should protect your property from further damage by arranging for reasonable temporary repairs. You can find a list of vendors to assist with your temporary repairs here. You should avoid making any permanent repairs until your Travelers Claim professional has reviewed the damage.

What type of information do you ask for when I report a claim?

This is the type of information we'll typically ask for when you call to report your claim:

  • Photos of the damage
  • Your contact information
  • The name and contact information of any other involved parties
  • Policy information, if available
  • The type of loss you are reporting (auto, home, etc.)
  • The date the incident occurred
  • A description of what happened
  • A description of any injuries

If you are ready to file a claim, click here to get started.

What is the claim process and how long will it take?

For more information about the claim process, click here.

Will someone be coming out to inspect my home or property?

There are a variety of ways that we can assess your damages, including an on-site inspection of your home or property. Depending on the type of damage, your Travelers Claim professional may need to schedule an on-site inspection.

Do I need to be there when you inspect my home or property?

When you are contacted by your Travelers Claim professional you can discuss whether an inspection is necessary and if so, whether you need to be present. If an inspection is needed, we will make every effort to schedule it at a time that is convenient for you.

Can I complete the repairs right away before I talk to my Claim professional?

You should protect your property from further damage by arranging for reasonable temporary repairs. You should avoid making any permanent repairs until your Travelers Claim professional has reviewed the damage. Find a list of Emergency Property Services to assist with your temporary repairs here.

Do you have a list of contractors or can you provide me with a list of contractors?

Your Claim professional can assist you with finding contractors in your area.

Will I be reimbursed for the cost of temporary repairs?

Generally, your homeowners policy will pay for reasonable amounts you’ve spent to reduce further damage to your covered property. For any expenses you’ve already paid, save your receipts and provide them to your Travelers Claim professional.

You should avoid making any permanent repairs until your Travelers Claim professional has reviewed the damage.