File Your Claim Conveniently

File your claim online

The convenient way to report losses while at home or on the go.  Learn more.

Report a Claim

Call us anytime, day or night

If you'd prefer to speak directly with a representative, you can contact our Claim Center anytime at:


1-877-732-5266 (en Espanol)

1-888-891-1660 TTY (for the hearing impaired)

Catastrophe alert

We are currently assisting customers affected by severe weather and other catastrophes.

Find out how Farmers is responding or follow the Mobile Claims Center @FarmersResponse.

Handling Your Claim

Whether you’re reporting a simple fender bender or a catastrophic house fire, a dog bite or on-the-job injury, Farmers follows the same basic five-step process to see every claim through from start to finish.

Here's what we do:


  1. 1

    Claim Assignment

    When we receive your claim, it will be assigned to a claims professional. Depending on the complexity of your claim, you may work with a team of claims representatives, each of whom has experience handling a particular aspect of your claim.

  2. 2

    Initial Contact

    A claims professional will contact you to:

    • Gather facts surrounding your loss
    • Review your coverage
    • Explain how your claim will be handled
    • Schedule an in-person appointment if one is needed
    • Identify ways to protect your property from further damage
  3. 3

    Estimate and Evaluation

    Your claims professional will then:

    • Determine whether the loss is covered
    • Inspect and document damage
    • Interview witnesses or other involved individuals
    • Take photos and samples (if needed)
    • Evaluate your claim
  4. 4


    We’ll work with you to resolve your claim fairly either by:

    • Paying what you’re owed
    • Or explaining why there would be no payment on your claim
  5. 5

    Close the Claim

    Once we’ve resolved your claim under the terms of your policy, we close the claim. If you discover additional expenses, we will re-open your claim to investigate.