Homeowners Claims

We know that when something happens to your home, it can be a big inconvenience to your life. We're here to help you get things back in order as quickly as possible.

First Steps

Call us as soon as possible to report your claim at 800-332-3226.

Our customer service representatives are ready to answer your questions and guide you through the claims process 24 hours a day, seven days a week.

Resources

Explore the topics below for information on what to do after you experience a loss and how to prevent additional damage to your property.

• I have damage to my property - what now?
• Do I need to protect my home from further damage?
• Will my loss be covered?
• What should I do if my home has water damage?
• Scheduling permanent repairs.
• Can I use my own contractor?
• How does payment for my damages work?
• To whom do I pay my deductible?
• What do I need to do if I cannot live in my home?
• What should I do if my home has been broken into?

Download and print our Property Claims FAQ and Property Loss of Use Claims Questions.

I have damage to my property-what now?

Call us at 800-332-3226 to report your claim. Please tell us:

• When the incident occurred.
• A general description of what happened.
• The location of the damaged property and what was damaged.
• The condition of the home and if it is still livable.
• If temporary repairs are needed.
• If the fire or police department was contacted, which department responded and any report number.
• Your contact information and the best time to reach you.

Do I need to protect my home from further damage?

Yes, once it is safe to do so, it is your responsibility to protect your property from further damage.

• Arrange for reasonable temporary repairs such as boarding up broken windows, covering the roof, and removing debris.
• Keep a list of any temporary repairs you make to document the damage, and make sure to save your receipts.
• If possible, place damaged items in a secure area where they can be inspected. If you are unsure about an item, include it with the damaged property.
• If you have fire or smoke damage, do not try to clean the damaged items. Sometimes cleaning things without the proper equipment can cause more damage.

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Will my loss be covered?

Your claims representative will answer this question. We will investigate what happened, what caused the damage, and why it happened. Based on the investigation, your claims representative will review the specific coverage you purchased to determine if we cover the claim.

What should I do if my home has water damage?

Left untreated, water can do significant damage, particularly if it seeps into the sub-floor or other areas. Here are some things you can do:

• If water continues to leak, identify the source and stop it if you can.
• If the water is coming from a burst or leaking pipe, turn off the water at the source.
• If water is coming in through the roof or broken windows, cover to prevent additional damage.

Protect your belongings from additional damage:

• Move wet items to drier areas.
• Place aluminum foil, coasters, or wood blocks between furniture legs and wet carpeting.
• Save damaged items and any parts you may need to replace-your claims representative may want to inspect them.
• Do not use electrical equipment or appliances while standing on wet carpet or floors, and never use electrical equipment that has been damaged even if you are on dry flooring.
• Keep a list of temporary repairs you make.
• Save all claim-related receipts.

Learn more about how to prevent water damage prevent water damage in your home.

Who Can Repair My Water Damage?
After reporting your claim, you can use the water mitigation supplier of your choice, including SERVPRO, Safeco’s preferred water mitigation supplier.

Why Choose SERVPRO?
The benefits of choosing SERVPRO include:

• Convenience: Call center and emergency services are available 24/7/365.
• Access: SERVPRO has 1,350 locations across the USA.
• Quality: Water mitigation techniques meet industry professional standards.
• Price: SERVPRO has agreed to complete work at pre-negotiated rates.
• Speed: SERVPRO will contact you within 1 hour after you report your claim to Safeco and be on site within 4 hours.

If you use a service other than SERVPRO to mitigate your water damage, save your receipt. Our customer service representatives can help if you are uncertain about whom to call.

Note: Even if you are not filing a claim, you can still use SERVPRO’s services. Call 1-800-SERVPRO (1-800-737-8776).

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Schedule Permanent Repairs

Safeco requires you to wait until our claims adjustor assesses your damage before you begin making permanent repairs. We encourage you, however, to schedule permanent repairs as soon as possible. Use a local, licensed, bonded and insured contractor—and always check references.

Can I use my own contractor?

Yes, the choice of a contractor or professional fire-restoration cleaning service is yours. Always check references.

Safeco works with Innovation Managed Property Network to offer a free contractor referral service to our policyholders in most locations nationwide.

How it Works

1. Contact Safeco at 1-800-332-3226 to report the damage to your property.
2. A Safeco representative will inspect your damages and prepare an estimate of the repairs.
3. If you do not have a contractor in mind and would like to have a network contractor referral, your Safeco representative will contact Innovation Managed Property Network (Innovation).
4. Innovation will call you to begin the contractor selection process.
5. Your Innovation contractor will call you within one hour to make an appointment to inspect the damage, and then reach an agreement with Safeco on the estimated repairs.
6. You authorize the contractor to begin work.
7. You authorize payment directly to the contractor when repairs are completed—and you are completely satisfied.
8. You pay your deductible to the contractor.
9. You relax in your beautifully repaired home.

Note: Even if you are not filing a claim, you can still use Innovation’s services by calling 1-866-710-3112.

Benefits of Safeco's Innovation Managed Property Network

• Convenience : The call center is available 24/7, 365 days a year.
• Peace of mind : All contractors pass background checks and are experienced, certified, licensed, insured and bonded.
• Quality : Innovation is committed to customer satisfaction and adheres to Safeco’s estimating guidelines.
• Price : Referrals are free. Contractors work with Safeco representatives to reach an agreed-upon estimate for the repairs.
• Speed : Innovation’s network is committed to contacting you within one hour, and the contractor you choose will inspect your home within 48 hours.
• Guarantees : All labor and materials come with a three-year warranty from Innovation or its contractors, and Safeco monitors customer satisfaction of all contractors to provide you with the best choice of service providers.

To learn more, review the program brochure.

How does payment for my damages work?

If you have a mortgage on your home, payments for repairs may be made payable to you and the mortgage lender.

Any advance payments will be applied to the total settlement amount.

Depending on the coverage you purchased, your deductible and any applicable depreciation may be deducted from the amount of your loss up to the limit of your policy. The deductible is the amount of a covered loss that you agree to pay when you purchase your policy. Depreciation is an allowance made for loss in value of property.

To whom do I pay my deductible?

In most cases, you pay your deductible to the contractor who does the repairs.

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What do I need to do if I cannot live in my home?

If your home is unsafe and you cannot live there, your claims representative can help you find temporary housing and explain your policy coverage for additional living expenses. If you need to purchase clothing or other necessities immediately, your claims representative may be able to give you an advance against the total settlement amount of your claim. Keep receipts of all expenses. Learn more.

What should I do if my home has been broken into?

Make safety your first priority. Contact your local law enforcement agency immediately to file a report. Include a description of all missing items.

You should also do what you can to make your home safe. Board up any broken windows or doors. Fix your locks to prevent additional damage. If you aren't sure it's safe, professionals can help. Save your receipts for any temporary repairs you need to make.

Your claims representative will ask you for a list of missing items, along with receipts for those items. Owners' manuals, canceled checks, photographs/videos and serial numbers of the items, and credit card bills can help document your losses, as will a home inventory. Safeco encourages you to create a home inventory, update it regularly, and store it away from your home.

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