Catastrophe Claims Process | Shelter Insurance®

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Catastrophe Claims Process

Processing catastrophe claims can be difficult at times, with each storm deviating in size and severity. Our storm team adjusters are dedicated to helping families put their lives back together after these storms. Here are the typical steps that are taken when processing your storm claim:

1. After reporting your claim, you will be given an adjuster and a claim number.

The adjuster will be assigned to evaluate the damages and your claim number will be used to track your claim. Keeping all the information about your claim together will make the process smoother. Remember to write your claim number on everything you send to Shelter, including receipts.

2. Your assigned adjuster will call you.

Your adjuster will answer any questions you may have. He or she will also explain your coverage and discuss how best to handle your loss.

Note: If needed, adjusters will usually schedule a time to inspect your property during this time.

3. Your adjuster will request additional information.

This generally includes a proof of loss form, to help inventory all your damaged property.

4.Your adjuster will evaluate and estimate the damages.

This is to determine what needs to be repaired or replaced. The adjuster will then prepare an estimate. After that, you will review the estimate together. This is an opportunity to discuss any questions or concerns you may have.

5. Your claim gets paid.

Your adjuster will present you with the appropriate documents, answer any final questions regarding your claim, and pay you for your covered loss.