A condo is more than a major investment — it's your safe space, a place of your own that you can call home. But, here at Esurance, we know that accidents can happen when you least expect them, and usually making a condo claim is the last thing on your mind. Here's some info on the process so that you can be prepared and get your life back on track as quickly as possible.
Condo insurance claims contact info
For policies underwritten by:
Phone: 1-888-825-9763 (24 hours a day, 7 days a week)
Phone: 1-877-428-8651 (24 hours a day, 7 days a week)
Phone: 1-877-581-4862 (24 hours a day, 7 days a week)
Condo insurance claims process
How do I file a condo insurance 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 condo 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 rep 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.
Who do I pay my deductible to?
Generally, you'll pay your deductible directly to the contractor or company that 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.
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