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Tips for Filing Insurance Claims and Insurance Company Information Following Weather Events

The days during and after severe weather or natural disasters can be confusing and stressful, especially for those who have suffered damages. To assist with the claims process, the D.C. Department of Insurance, Securities and Banking (DISB) listed below the contact information for the insurance companies that underwrite most of the homeowners and private passenger auto insurance (standard and non-standard) business in the District of Columbia. If you do not see your company listed, and you do not have contact information for your insurer, call DISB at (202) 727-8000.

Before calling your insurance company, please have available your policy number and other relevant information to expedite processing your claim. If you can, take photographs or video of the damage before clean-up or repairs. After you’ve documented the damage, take steps to prevent further damage to your property (cover broken windows, leaking roofs and damaged walls). Do not have permanent repairs made until your insurance company has inspected the property and you have reached an agreement on the cost of repairs. Save all related receipts, including those from temporary repairs. Ask what documents, forms and data you need to file the claim. Keep a diary of conversations with the insurance company and your insurance agent including names, times and dates of the calls or visits and contact details. Cooperate fully with the insurance company. Be certain to give the company all the information it needs. Incorrect or incomplete information may cause a delay in processing your claim.

Contact information for insurance companies:

Homeowners Insurance
 
ALLSTATE INSURANCE
(800) 255-7828 
File a claim online: www.allstate.com

AMICA INSURANCE
Auto, Home, Umbrella, Marine (800) 242-6422
Roadside Assistance (866) 286-9968
Life and Disability (800) 234-5433
File a claim online: www.amica.com

CHUBB & SON INC
(800) 252-4670
File a claim online: www.chubb.com

ERIE INSURANCE
(800) 367-3743
File a claim online: www.erieinsurance.com

HARTFORD FIRE & CASUALTY INSURANCE
(800) 243-5860 
File a claim online: www.thehartford.com

LIBERTY MUTUAL
(800) 225-2467 
File a claim online: www.libertymutual.com

NATIONWIDE INSURANCE
(800) 421-3535
File a claim online: www.nationwide.com

PROGRESSIVE INSURANCE
(800) 776-4737
File a claim online: www.progressive.com

STATE FARM INSURANCE
(800) 782-8332
File a claim online: www.statefarm.com

TRAVELERS INSURANCE
(800) 252-4633 for home; (800) 238-6225 for business claims
File a claim online: www.travelers.com

USAA (UNITED SERVICE AUTOMOBILE ASSOCIATION)
(800) 531-USAA (8722)
File a claim online: www.usaa.com

Standard Auto Insurance

ALLSTATE INSURANCE
(800) 255-7828 
File a claim online: www.allstate.com

AMERICAN INDEPENDENT INSURANCE
(800) 954-2442
File a claim online: www.aiico.com

GEICO (BERKSHIRE HATHAWAY) 
(800) 841-3000 
File a claim online: claims.geico.com

CHUBB & SON INC
(800) 252-4670
File a claim online: www.chubb.com

ERIE INSURANCE
(800) 367-3743
File a claim online: www.erieinsurance.com

HARTFORD FIRE & CASUALTY INSURANCE
(800) 243-5860 
File a claim online: www.thehartford.com

LIBERTY MUTUAL
(800) 225-2467 
File a claim online: www.libertymutual.com

NATIONWIDE INSURANCE
(800) 421-3535
File a claim online: www.nationwide.com

PROGRESSIVE INSURANCE
(800) 776-4737
File a claim online: www.progressive.com

STATE FARM INSURANCE
(800) 782-8332
File a claim online: www.statefarm.com

TRAVELERS INSURANCE
(800) 252-4633 for home; (800) 238-6225 for business claims
File a claim online: www.travelers.com

USAA (UNITED SERVICE AUTOMOBILE ASSOCIATION)
(800) 531-USAA (8722)
File a claim online: www.usaa.com

Non-Standard Auto Insurance

CHUBB & SON INC
(800) 252-4670
File a claim online: www.chubb.com

NATIONWIDE INSURANCE
(800) 421-3535
File a claim online: www.nationwide.com

LIBERTY MUTUAL
(800) 225-2467
File a claim online: www.libertymutual.com

PROGRESSIVE INSURANCE
(800) 776-4737
File a claim online: www.progressive.com

OMNI INDEMNITY
(800) 777-6664
File a claim online: www.aiico.com

If the first offer made by the insurance company does not meet your expectations, be prepared to negotiate. If there is a disagreement about the claim, ask the company for the specific language in the policy in question and determine why you and the company interpret your policy differently. If you believe you are being treated unfairly, contact DISB at (202) 727-8000.

Be advised that home repair fraud increases following a major storm. Protect your investment by getting more than one bid from contractors and requesting at least three references. Ask for proof of licenses, building permits, insurance and bonding. Record the contractor’s license plate number and driver’s license number, and then check for any complaints with the Better Business Bureau. Be wary of contractors who demand up-front payment for repairs. If the contractor needs money to buy supplies, go with the contractor and pay the supplier directly.