Catastrophe Claims FAQs

What should I do immediately following a catastrophe?

What information do I need to report my claim?

Who will be adjusting my loss?

What happens after my loss is reported?

How soon will that adjuster come out to my property?

What's the next step after the adjuster comes out and inspects the damage to my property?

Should I arrange for emergency repairs?

Will Safety be hiring or recommending a contractor to make the repairs to my home?

It has been 3 days since my claim was reported and no one has contacted me yet.

What if my home is uninhabitable?

Is flood damage provided by my homeowner's policy?

What should I do immediately following a catastrophe?

We suggest that you do the following:

  1. Protect yourself and your family.2. Contact your independent agent or report your loss to Safety via phone at (800) 951-2100 or (617) 951-0600.
  2. Protect your property from additional damages. Be sure to save all receipts.
  3. Begin a room-by-room written inventory of the damages, including a detailed description of personal items that includes the manufacturers names, model numbers, purchase dates and purchase prices

What information do I need to report my claim?

Depending on the type of claim you are reporting different information will be needed. Typically, however, the kind of information we will ask for includes:

  • Date of Loss
  • Type of Loss or damage
  • Location of the damage
  • Any related injuries
  • Others involved
  • The condition of the home
  • Description of damaged contents
  • If temporary repairs are necessary

Who will be adjusting my loss?

Your claim will be assigned to a Safety Staff adjuster or a Safety approved independent adjustment firm.

What happens after my loss is reported?

After you report the loss, an adjuster will be contacting you to either settle the loss over the phone, or to determine if a home inspection will be required.

How soon will that adjuster come out to my property?

An adjuster will contact you by telephone to arrange an inspection at your convenience. The inspection will occur within 7 days of reporting the claim.

What's the next step after the adjuster comes out and inspects the damage to my property?

The adjuster will write up a report with an estimate of damage. They will attempt to reach an agreed settlement figure for the damage with you and/or your contractor. Once they have reached an agreed settlement figure with you they will submit their final report and payment recommendation to Safety.

Should I arrange for emergency repairs?

Yes, you should make arrangements for all reasonable and necessary repairs to protect the property and prevent further damage. You should save copies of any bills from emergency work and give them to the adjuster assigned to your loss.

Will Safety be hiring or recommending a contractor to make the repairs to my home?

We are unable to hire, approve or recommend any contractors for you. You will need to do this on your own as a homeowner. Some useful resources to find a contractor include:

  • Family or Friends who have had contractor work done
  • Your independent Agent

It has been 3 days since my claim was reported and no one has contacted me yet.

Call Safety immediately at (800) 951-2100 for assistance and to alert us of the situation. Contact from your adjuster should occur within 48 hours of your claim report.

What if my home is uninhabitable?

Your policy may provide for Additional Living Expenses when your home is unlivable due to a covered loss. Ask your agent or adjuster if your policy has this provision.

Is flood damage provided by my homeowner's policy?

No. Most major companies (including Safety) do not offer flood protection as part of their homeowner's coverage.

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