filing a condo insurance claim
If you ever have to file a claim, the answers in this section should help make the process easier.
Claims basics
Payment
Claims basics
How do I file a claim?
To file a claim, immediately contact your insurance provider. If you have a policy through Esurance, agents are available to help you 24 hours a day, 7 days a week.
What information do I need when reporting a claim?
When you call to report a claim, it's helpful if you can tell your claims rep:
- When the incident occurred
- What happened
- The location of the property damage and what was damaged
- If your home is still livable
- What repairs, if any, are needed
- If you contacted the police or fire department (and the police report number)
- Your contact info and the best time to reach you
My condo suffered significant damage. Can I use my own contractor to repair it?
Yes, the choice is completely yours. However, if you need help finding a reputable contractor in your area, your claims representative can refer a reliable network contractor to make the repairs.
I need to relocate because fire damaged my condo. What should I do?
If your home is unsafe and unlivable, your claims rep can help you find suitable temporary lodgings. If you need to buy clothes or other necessities immediately, you could get an advance against the total settlement amount. Your claims rep can explain the specifics of your loss-of-use coverage, including your coverage for additional living expenses, when you call to report a claim.
Payment
Who do I pay my deductible to?
Generally, you'll pay your deductible directly to the contractor or company who does the repairs.
Once a claim is made, how does the insurance payment work?
If you have a mortgage on your condo, once your claim has been processed, your insurance company may pay you and your mortgage lender up to your policy's limit. If an advance payment was made, that advance payment will be applied to the total payout when all is said and done. Additionally, your deductible and any applicable depreciation will be deducted from the final amount.
Got another claims question? We'll answer it via email at partnerproducts@esurance.com.
Coverages, discounts, and billing options are subject to state availability, individual qualification, and/or the insuring company's underwriting guidelines.
This page is intended to provide you with general information about condo insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, including limitations and exclusions, we encourage you to read your policy contract and consult your insurance representative with any questions.