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Home Insurance Support

Find answers to commonly asked questions about our home insurance coverage here. For more information or answers specific to your policy, get in touch with your local Erie Insurance agent.

How can I get a copy of my homeowners policy?

You can view summaries of your auto and home insurance policies via your online account. Learn more about how to log in to create an account. You may also contact your local ERIE agent to get a copy of your homeowners policy or contact our Customer Care team at (800) 458-0811.

Home insurance claims: Am I covered? Will my rates go up? Will my homeowners insurance be cancelled?

Unfortunately, there is no single response to these questions because so many factors go into determining each answer, such as your policy coverage, claim history, type of loss and length of time you’ve been with Erie Insurance. You can review your policy coverage information and, if you have any questions about your claim, talk to your agent and the adjuster assigned to handle your claim. Learn more about how to start a home insurance claim.

Does my homeowners policy cover water damage?

It depends. In most cases, if you have water damage from a water pipe that bursts or a washer hose that leaks or explodes, your homeowners policy may cover the damage, but there are many factors that determine if a claim is covered. If water leaks into your home through the foundation or because of a flood, the damage is not covered under your home insurance policy. If the water damage is due to an ongoing leak, see page or other maintenance problems, it is also not covered. If you have questions about your claim, talk to your local ERIE agent or the adjuster assigned to handle your claim.

Does my policy cover damage caused by natural disasters such as hurricanes and tornadoes?

Your policy covers damage caused by some natural disasters, but there are many factors that will determine if a claim is covered. Before a storm hits, review your policy with your local ERIE agent so you understand what’s covered. If flooding occurs because of the natural disaster, for example, your homeowners policy will not cover the damage. Damage caused by floods is not covered by homeowners policies. Talk to your ERIE agent about obtaining a separate flood insurance policy. ERIE partners with American Bankers to offer this coverage to customers.

Is my car covered under my homeowners policy if a fire in my garage caused the loss?

In most cases, your auto policy covers damages to your vehicle if you have purchased the appropriate physical damage coverage.

What do I do if my home or business is damaged?

  • Report the claim to your agent or Erie Insurance immediately.
  • Take photos of the damaged property.
  • Protect your property from further damage. Ensure it is weatherproof and protect any exposed openings to the building.
  • If you need help removing water from your building, we can provide options for emergency service contractors to protect your home or business from further damage. Keep any receipts for emergency expenses you incur. If you do not have a contractor to assist you, you may locate a contractor through ERIE’s Managed Repair Program, online at Contractorconnection.com or by phone at 866-838-6840.

What happens after I report the claim?

  • You may be asked to retain items for inspection, so do not throw anything away before speaking with your ERIE adjuster. It may be helpful to take photos of the damaged items.
  • You will need to complete an inventory sheet listing all missing or damaged property. This inventory should be room by room, including complete descriptions of the damaged property. The description should include brand names, model numbers, age, purchase price and place of purchase.

An ERIE adjuster will be assigned to your claim and will work with you to estimate your damages. If your claim requires a field inspection, we will send either an ERIE adjuster or an independent adjuster to your home or business to take photos and assess the damage.

How long does it take to receive my settlement check for the damage to my property?

Once we have received all the information needed to issue the check, you should receive it within two weeks.  

Why is the mortgagee listed on my check?

This happens because your lender has a financial interest in the property that the insurance company is required to honor and protect. The insurance company is obligated to include the mortgage company on your claim check. Please refer to the Mortgage Clause section of your policy.

What happens if I find additional damage after my claim is settled?

Call your ERIE claims adjuster immediately. We may need to re-inspect the damage before the repairs are complete and determine if these damages are covered. If the additional damages were covered under the original claim, we will reopen your claim and work closely with you and your contractor to resolve the issue.

What does ACV mean?

Actual cash value (ACV) is the cost to repair or replace a damaged item with an item of like kind and quality at today’s cost, less depreciation. Depreciation is a deduction for the decrease in value of the item due to wear and tear or age.

Does ERIE choose my repair contractor?

Since you’ll need to authorize any contractor to perform repairs to your property that are a result of a covered loss, you choose your own contractor. While ERIE can agree on the price and scope of repairs, we cannot authorize anyone to perform work on your property.


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