What Should I Do After My Loss?

Your home is part of your family—it’s filled with memories and treasured keepsakes. We know how important it is to get it back to normal so you can get on with your life. Here are a few simple things you can do to help speed up that process.

  1. Quickly report the claim to ERIE. You can file a homeowners insurance claim by contacting your Agent, one of ERIE's branch offices or you can file it online. On nights and weekends, contact ERIE’s Extended Hours Claims Service at (800) 367-3743. We have adjusters available 24/7—ready to help you. And, the sooner you report the loss, the faster we can get moving on your claim.
  2. Protect your home from further damage. Stop water from leaking by shutting off the valve, place buckets in rooms with water leaks, hang plastic over damaged areas to prevent water from leaking into your home or board up broken windows, for example.
  3. Record the damage done to your home. Take pictures or video of any damage to your house and its contents. Make a list of what is damaged in your home. Include details when possible—such as the brand name, manufacturer, serial number and approximate price you paid. Organize your list by room. ERIE’s home inventory formPDF can guide you through this process.
  4. Maintain a list of repair expenses. Keep track of the time you spend cleaning up or repairing your home after the claim. Also record any money you’ve spent on materials to temporarily fix the damage. It’s important that you don’t make any permanent repairs until your ERIE adjuster has seen the damage.

Reviewing the Claim Process

After you’ve reported the claim, the following steps will take place:

  • The loss report is assigned a claim number and assigned to a claims handler.
  • A property adjuster will contact you to confirm the facts of the loss. This may include an inspection of the damaged property. The adjuster will then determine if coverage applies, and, if so, evaluate the damages.
  • After the claim is initiated, the adjuster or claims handler will check on the progress of the claim and make every effort to efficiently complete the process. Some claims can be settled quickly. Others—especially those involving severe damages—may take longer.

Keeping Track of the Details

To help stay organized and involved, you may want to maintain a file regarding your homeowners insurance claim/loss that includes the following:

  • Customer’s name as it appears on the policy
  • Policy number
  • Claim number
  • Claim handler or adjuster’s name, mailing address, phone number and title
  • Estimates, correspondence and notes of phone conversations regarding the claims settlement

Keep this file with you. Wherever you talk to your homeowners insurance claims handler or adjuster—at home or at work—your documentation will help ensure the claim is processed in a timely, accurate manner.

For more information about your home insurance claim, talk to your ERIE Agent or review these answers to common claims questions.

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