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How to File a Homeowner’s Claim

Owning a home is one of the biggest investments you will make in your life. But sometimes that investment comes with challenges.

Six percent of insured homes had to file a claim in 2020, according to the ISO. Among the homeowners insurance claims filed that year, the most common were for wind and hail damage, water damage and freezing, fire and lightning, and theft.

Should you have to file a homeowners claim with MAPFRE Insurance, the most important thing to do first is make sure everyone you live with is safe. The next step is to protect your home from further damage.

Reporting a Claim and Mitigation

Next, you should report your claim as soon as you can by submitting the claim online or by calling us directly at 1-800-221-1605. Our 24-hour claim reporting line is available 7 days a week. Once you have reported your claim, a claim representative who specializes in property claims will contact you during normal business hours.

At MAPFRE, you have the choice to pick the MAPFRE’s Select Home Restoration Program or find an Independent Contractor to make temporary repairs.

The MAPFRE Select Home Restoration Program is an expedited, one stop damage assessment home repair program that helps get you back to pre-loss conditions. When you select this program, emergency services can start in two hours or less.

If your home is not habitable due to the damage, your claim adjuster can help you find temporary lodging arrangements.

Damage Assessment

Once your claim has been submitted your claim representative will contact you within 24 business hours to discuss your damage assessment options. Options for next steps include:

  • MAPFRE Select Home Restoration Program: The program provides an on-site inspection of damage to expedite repairs to your home
  • ePICS: You can take your own damage assessment photos and submit them online
  • Field Adjuster: A MAPFRE staff or designated independent adjuster will come to your home to inspect the damages

Repair Process

When you have repairs made using the MAPFRE Select Home Restoration Program, our select partners adhere to high professional standards and provide superior customer service. Among the services that will help your home get back to pre-loss conditions are:

  • Water damage clean up
  • Emergency board up services
  • Fire and smoke clean up
  • Storm and disaster recovery
  • Mold, lead and asbestos remediation
  • Biohazard clean up
  • Cleaning and deodorizing
  • Restoration/reconstruction
  • Loss Mitigation

Completion of Repairs

After repairs have been completed, payment will be made to the contractor. If you chose the MAPFRE Select Home Program, your repairs will be covered by a limited 5 year warranty. If you selected an

Independent Contractor, payment will be made to you and your mortgage company. Any warranties or guarantees will need to be verified by that contractor.

When you choose an Independent Contractor to restore your home, MAPFRE cannot guarantee the quality of the services or repairs.

Make sure you have the right coverage for your home by talking to an independent agent in your state. If you’re not insured with MAPFRE yet and live in Massachusetts, get a fast, free home insurance quote in Massachusetts today to see how much you could save!

Please Note:This content is not intended to describe any specific coverage offered by MAPFRE Insurance. No coverage is provided, bound or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.

MAPFRE Insurance® is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliates, American Commerce Insurance CompanySM (Cal. COA 4928-8); Citation Insurance CompanySM; The Commerce Insurance CompanySM; Commerce West Insurance CompanySM (Cal. COA 1372-2); and MAPFRE Insurance CompanySM (Cal. COA 3039-5). Not all products available in all states.

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