Home Insurance Claim FAQs
Your responsibilities will differ depending on the type of claim, but there are a few things that you should always do:
- Secure your property from further loss or damage if it’s safe to do so
- Report your claim to us as soon as possible
- Document the damages
Please take a moment to review our Home Loss Checklist for more information.
We recommend that you wait for Amica to view the damages prior to completing permanent repairs. You can then obtain an estimate from a contractor.
Your claim handler will contact you and let you know if we’ll send an adjuster to your home. The adjuster will contact you to schedule the appointment.
In some cases, a visit may not be necessary. In those cases, we’ll estimate damages based on uploaded photos of the affected areas. Uploading photos can be done by logging in and navigating to the claims tab. Your claim handler will let you know which process we’ll use.
Immediately contact Amica to report your claim. Additional living expenses are provided for covered losses. We can help you find temporary housing if needed. More information can be found in your policy regarding these coverages.
Several steps are taken by your claim handler to complete an investigation. These may include:
- Determining the cause of the loss
- Confirming whether policy coverage applies
- Estimating the amount of damage
Sometimes additional steps are taken, depending on the nature and complexity of the claim. These can include determining the scope of the damage, reviewing supplements and subrogating against any responsible party.
Your policy requires that you contact the police and file a police report.
Call Amica immediately, even if your claim is currently closed. Depending on the nature and extent of the additional damage or costs, we may need to reinspect before repairs are made. Supplemental payments may be issued if coverage applies and if the charges are reasonable and necessary.
You can always choose your own contractor. If you need help finding one, Amica has a Repair Assistance Program (RAP) available in most areas of the country. If you’re interested, we can put you in touch with a contractor to repair your home. For more information, please visit the Home Repair Assistance Page or contact your claim handler.