File a Claim
A claim is the moment your insurance has to work. Use the steps below to prepare, then report the loss using the claims contact information on your policy documents.
What to do after a loss
1. Make sure everyone is safe
People first, property second. Call 911 for injuries, fire, or theft in progress. For auto accidents, move to safety and get a police report — it makes every later step easier.
2. Document everything
Photos and video of damage, the scene, and anything relevant (other vehicles, license plates, weather). Keep receipts for emergency repairs, hotel stays, and anything you spend because of the loss.
3. Prevent further damage — don't make permanent repairs yet
Reasonable temporary measures (tarping a roof, shutting off water) are expected and reimbursable. Hold off on permanent repairs until the adjuster has seen the damage.
4. Contact your carrier
Use the claims contact information on your policy documents or your insurer's official website. For emergencies, contact emergency services first.
5. Work the claim — with us in your corner
An adjuster will be assigned, inspect the damage, and issue an estimate. If anything stalls, the estimate seems short, or you're unsure what to sign — call us before agreeing to anything. Advocacy at claim time is the whole point of having an agent.
Not sure whether to file?
For smaller losses near your deductible, review your policy terms and discuss your options with your insurer or agent before deciding how to proceed.
24/7 carrier claim phone numbers
Your carrier name is on your policy declarations page and your ID card. Report directly any time, day or night — then let us know so we can track the claim for you.
| Carrier | Claims phone | Availability |
|---|---|---|
| Progressive | 1-800-776-4737 | 24/7 claims reporting |
| Travelers | 1-800-252-4633 | 24/7 claims reporting |
| The Hartford | 1-800-243-5860 | 24/7 claims reporting |
| Liberty Mutual | 1-800-225-2467 | 24/7 claims reporting |
| Chubb | 1-800-252-4670 | 24/7 claims reporting |
| Nationwide | 1-800-421-3535 | 24/7 claims reporting |
| Safeco | 1-800-332-3226 | 24/7 claims reporting |
| The Hanover | 1-800-628-0250 | 24/7 claims reporting |
Phone numbers are provided for convenience and may change; the number on your policy documents or carrier website is authoritative.
Want an agency that shows up at claim time?
Claims advocacy is built into every policy we place. Get a quote and see what having someone in your corner actually feels like.