Frequently Asked Questions
How do I report a claim?
To speak with a knowledgeable claim professional to report your claim,
please call Travelers toll-free claim reporting number, 1-800-CLAIM33
(1-800-252-4633), 24 hours a day, 365 days a year. The faster you
report your claim, the sooner we can get you back on the road.
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How do I locate a Travelers claim office?
You can locate a claim office on-line by going to the Claim Services
home page and clicking on "Find
a Claim Office." Search
by state or by service center to get more information, including
a toll-free number and mailing address.
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Will Travelers notify my agent after I file my claim?
Yes. Your agent will be notified and given the details of your loss
shortly after you speak to a Travelers claim professional.
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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
- A police report
When you call 1-800-CLAIM33 to report your loss, Travelers claim professionals are trained to
capture complete and accurate information so you can feel confident
that the details of your loss will be obtained. And remember, the
sooner you call Travelers to report your loss, the sooner we can
help you.
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I don't have all the information needed to report my claim. What should
I do?
You should report your claim to Travelers as soon as possible, even
if you don't have all the necessary information. The faster you report
your claim to us, the sooner we can start handling your claim. You
will also be in contact with your claim representative throughout the
entire claim process so you can always update or change information.
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How can I find information about my claim?
You can find information regarding your claim on-line. Just click on "My
Claim Info" on the Personal Claim Services home page. This site
will give you access to your claim details, including your claim handler's
name and telephone number.
In order to use this service, you will need the following information:
- Your Travelers
claim number (a seven digit number given to you when the claim was
reported)
- Your date of
loss (the date your loss occurred)
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How long will it take to settle my claim?
The first step is up to you. The faster you report your loss to Travelers'
toll-free claim reporting number, the faster we can begin handling
your claim without delay. Each claim is different and therefore the
length of time needed to settle your claim depends on many factors.
The type of claim, severity of the damages and other circumstances
will all determine the time it will take to settle your claim. Your
Travelers claim representative will help you through each step of
the process and can answer any questions you have about your claim.
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Do I need to file a police report for a loss or theft?
Yes. You should contact the police anytime you experience a loss to
your home due to theft. In many cases, a police report is required
when reporting a claim.
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What proof do I need that property was stolen from my home?
Any of the following: receipts, owner's manuals, warranty cards, appraisals,
photographs, or boxes that the items came in, will be best to support
your claim.
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What is a deductible?
A deductible is the amount that you agree to pay as your part of the
loss. The insurance company pays for the amount over the deductible
if it is a covered loss. For example, if the covered claim is $2,000
and your deductible is $500, you pay $500 and your insurance company
pays the $1,500 balance.
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Burglars damaged my home during the robbery. Is the damage to my home
covered?
Your claim representative will be able to explain to you what is covered
under your policy. Each different type of coverage (e.g., contents,
structural, time element) depends on the type of policy you own as
well as the specific circumstances of your loss.
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I can't live in my home. Will you pay for temporary living arrangements?
You may need to secure temporary living arrangements while repairs
are being made to your home. If your policy contains additional living
expense coverage, we may pay for the "necessary increase in
living expenses" in the event your home is uninhabitable due
to a covered loss. We may reimburse you for expenses that exceed
those expenses that you would normally incur in the day-to-day operation
of your home.
A few things to keep in mind regarding this additional living expense
coverage:
- The insured
will be responsible for seeking reimbursement and will be the one
to receive payment.
- This coverage
does not provide for lost wages or earnings.
- Please save
all bills and invoices for incurred expenses.
- Reimbursement
is based on the availability of accommodations comparable to your
normal standard of living.
- The expenses
are payable for only one of two time periods (whichever is less):
- The
time required to repair or replace the damaged property.
- The time
required for your household (those normally residing with you in
your care) to permanently relocate.
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Should I make temporary repairs to my home?
It is important to take immediate steps to prevent further damage to
your home. Based on your policy terms and conditions, we may pay
for "reasonable temporary or permanent repairs confined solely
to protecting property from further damage." You have the option
of choosing a contractor to complete the work, or you may complete
the repairs.
Reminder: Please
save all bills and/or material receipts from completed repair work.
Also, keep an accurate record of any and all expenses incurred to
be considered for possible reimbursement.
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Do you have an advance payment option?
We understand that a loss to your home may make meeting your current
financial obligations difficult. Your Travelers claim representative
may be able to advance payments to help speed the claim process.
Please contact your claim representative directly to discuss advance
payment options.
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Is flood insurance covered under my policy?
No. Most major insurance companies (including Travelers) do not offer
flood protection as part of their homeowners coverage. Catastrophic
risks created by floods are very costly and would raise homeowners
premiums dramatically. However, your Travelers agent can offer flood
insurance underwritten by the federal government with services provided
by Travelers.
If you think you
are at risk or would like to learn more about flood insurance, please
contact your local agent or Travelers representative. They will be
able to provide you with all the necessary information. Under most
circumstances you have to wait 30 days from the time the premium
and application are received to be covered.
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Whom can I call if I have a question about my claim?
Contact your Travelers claim representative if you have questions about
your claim. Another important source of information is your Travelers
agent, who will gladly assist you with any questions.
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