Announcements
Important announcements to keep you informed about emergencies, storm preparation, and more!
Just so you have some info in case you don’t hear from the adjuster right away as they are trying to get to everyone quickly but… there are a TON of claims!
You should hear from your adjuster in 24 to 72 hours. If you don’t in 72, let us know.
If you want to get started on the clean up process, please document your loss:
- Take pictures inside and out of damages and water lines.
- If the water entered the dwelling, you can remove wet drywall and carpeting. Cut one foot above the water mark on the wall of every room that was damaged.
- Save a 1ft by 1ft piece of each different type or style of carpet and padding in each room that you remove the carpeting.
- Do not throw anything away until the adjuster comes to inspect the damage.
- If you choose to use a remediation contractor, please be aware that all charges they include are not reimbursable under flood policy.
- If you need an advance on your claim ask your adjuster.
- If you have flooded previously have your documents, receipts and photos to prove prior repairs.
- Start a list of contents damage
Below, for your convenience, are the FEMA Fact Sheet and the NFIP Claim Handbook:
FEMA Fact Sheet
NFIP Claim Handbook
In the event you sustain a loss, please read the following carefully:
- If you find yourself on a flooded street or driveway, DO NOT attempt to drive through the water as it may be deeper than expected. Running the motor while in water will cause the motor to flood with severe damage. Failure to do so may result in a totaled vehicle especially if the water is salt or brackish.
- When it is safe, take as many pictures as possible of the damage.
- Take mitigation steps to avoid further damage such as tarping damaged roof, window(s) or openings that may have happened during the storm
- If possible, retain the damaged items until the adjuster is able to inspect. For example: wet carpet, furniture, etc.
- Keep all receipts from materials you purchase such as tarps, boards, etc. for mitigation efforts.
- Keep track of any hired help - neighbors/contractors/handyman, etc. who help tarp, board up, remove trees, etc.
- Keep receipts for food, hotel, etc. if you are displaced from your home due to a covered loss - this does not include evacuation expenses.
- Contact your homeowner carrier to select a remediation vendor on their approved list to avoid any claim delays, coverage limitations or possibly denials.
- Have patience with the claim process after the storm. Claims are triaged according to severity. You may not get a response immediately if you have damage but your home is habitable as the first priority will be those displaced from their homes. Your claim will be addressed, it just might take a little longer than a normal claim due to the volume.
- We will be manning the online chat, emails and phones to the best of our ability. Please have patience with us as well! We will be working diligently to handle everyone’s claims as quickly and efficiently as possible.
Carrier contact information:
Bankers
In the event of a claim
Bankers' Catastrophe Office is available 24/7. Please refer to the options provided below to submit a hurricane or tropical storm claim.
Phone: 727-308-0496
Email: Bankers' Online Email Form
Text: reportmyclaim@bankersinsurance.com
When reporting a claim via text, please be sure to include the following information:
• Policy Number
• Date of Loss
• Insured Name
• Contact Information
• Brief Description of Damages
• Property Address
To file a claim unrelated to tropical storms or hurricanes, click here.
Please stay safe! Our claims team is ready and willing to assist.
Bankers Insurance Group
www.bankersinsurance.com
Bristol West
https://www.bristolwest.com/home/claims
Cabrillo Coastal
There are three ways to file a claim:
- Contact your insurance agent
- Call our toll free claim number 1-866-482-5246
- Fill out the form here and click "Report this Claim"
Citizens
There are 3 ways for policyholders to report their claim to Citizens:
- myPolicy, Citizens’ online policyholder self-service tool that is mobile-readysome text
- Policyholders must have a myPolicy account. Information about how to register is available on our myPolicy page.
- Once a policyholder is logged in to myPolicy, they can select the Claims tab and then click the blue Report a Claim button.
- Call Citizens’ toll-free 24/7 at 866.411.2742.
- Contact Melissa Ems Insurance Agency
After reporting, a Claims representative will call the policyholder back with the adjuster’s contact information.
Policyholders should:
- Report a loss immediately.
- Take photos and/or video of property damage.
- Take reasonable emergency measures to protect the property from further damage or prevent unwanted entry to the property.
- If reasonably possible, retain the damaged property for Citizens to inspect.
- Keep detailed receipts.
- Refer policyholders to the Catastrophe Claims webpage on Citizens’ website for more information and direction.
Make sure impacted policyholders are aware of a policy provision that requires them to take reasonable emergency measures for the sole purpose of protecting covered property from further damage when experiencing a loss.
Notice of Loss
Citizens must receive prompt notice of loss. Except for policy provisions regarding reasonable emergency measures, there may be no coverage for permanent repairs that begin before one of the following occurs:
- 72 hours after the loss is reported to Citizens
- Loss is inspected by Citizens
- Verbal or written approval is provided by Citizens
Covington Specialty Insurance Company
404-231-2366 or reportclaims@rsui.com
Edison
https://www.edisoninsurance.com/claims
Evanston Insurance Company
1-800-362-7535 or newclaims@markelcorp.com
FEMA
Contact Melissa Ems Insurance Agency to file claim for you:
- 727.321.9828
- csr@melissaems.com
- Online chat via website
Florida Peninsula
https://www.floridapeninsula.com/claims
Heritage
For Claim reporting & Emergency Repair requests:
Illinois Union Insurance Company
1-844-539-3801 or acers-claims@chubb.com
Lloyd’s of London
1-800-334-5579
Manatee Insurance Exchange
https://manatee-insurance.com/claims-information/report-a-claim/
1-866-347-5131
Markel Insurance Company
1-800-362-7535 or newclaims@markelcorp.com
Mercury
Download app & file
800.503.3724
https://mercury.assured.claims/
Mt. Vernon Fire Insurance Company
1-888-523-5545 or newlosses@usli.com
Mesa Underwriting Specialty Insurance Company
1-866-455-9969 or claim@music-ins.com
Monarch
Call at 1-800-293-2532 or Customer Portal
Nautilus Insurance Company
1-800-842-8972 or nicclaims@nautilus-ins.com
Olympus
www.olympusinsurance.com/file-a-claim
Orange Exchange
Contact Melissa Ems Insurance Agency to file claim for you:
- 727.321.9828
- csr@melissaems.com
- Online chat via website
Penn America Insurance Company
1-800-788-4780 or claims@global-indemnity.com
Penn Star Insurance Company
1-800-788-4780 or claims@global-indemnity.com
Progressive
Download the app & file
https://fnol.progressive.com/begin
1.855.347.3939
Safeco
Download the app & file
800-332-3226
Safepoint
Contact Melissa Ems Insurance Agency to file claim for you:
- 727.321.9828
- csr@melissaems.com
- Online chat via website
Scottsdale Insurance Company
1- 800-423-7675 or essreportaloss@nationwide.com
Southern Oak
- MySouthernOak.com policyholder account online
- Smartphone App
- Call 877-900-2280 (claim reporting) or 877-900-3971 (customer service)
Travelers
- Download app & file
- Report Online: Customers can report claims at their convenience by visiting Travelers.com and logging into MyTravelers. Learn more about registering for MyTravelers.
- Report by Telephone: 800.252.4633
Tudor Insurance Company
201-847-8600 or reportaclaim@westernworld.com
United National Specialty Insurance Company
1-800-788-4780 or claims@global-indemnity.com
United States Underwriters Insurance Company
1-888-523-5545 or newlosses@usli.com
United States Liability Insurance Company
1-888-523-5545 or newlosses@usli.com
Western World Insurance Company
201-847-8600 or reportaclaim@westernworld.com
Wright Flood
Claims Bot CLOE
Claims automated Link to our Online Express Services
Access the claim bot CLOE by visiting www.wrightflood.com or www.wrightfloodadvice.org where the CLOE icon will display on the bottom right of the webpage.
Click HERE to view demo on how to file a claim using CLOE.
For easy access, agents are invited to post the following information and hyperlinks on agency webpages and/or Facebook to direct policyholders directly to Wright Flood for filing a claim:
Report a Wright Flood Claim online using your 14-digit policy number and property zip code.
Without policy number, you can report your claim in other ways:
- Text the word CLAIM to (727) 777-7066
- Email floodclaims@weareflood.com and provide detailed information about your account and claim.
- Call in your claim toll-free at (800) 725-9472
Universal
Download the app & file
