Homeowner Claims
If your home or belongings are damaged, we have a team of highly skilled claims representatives and contractors to help you.
Steps to filing a homeowner claim
File your claim online or call a claims representative
Have your claim filed in under 5 minutes by answering a few simple questions.
Take steps to prevent further damage if needed and keep a record of any associated expenses.
Your claim is reviewed by a claims representative
We will reach out to talk through the events in more detail. We will also explain your claim coverages and the next steps.
Choose how you'll have your damage repaired
You have a variety of choices when it comes to repairing your home or replacing your belongings.
- Collect photos of your home/belongings to assess the damage and create an estimate. We have a variety of ways to do this, depending on your specific situation.
- Get in contact with emergency services available 24/7/365.
- We can refer you to a contractor. Search for our service providers in your area.
Track and manage your claim online
You can check the status of your claim and manage your claim details by using our online claim management portal.
- Upload receipts or documents
- View payments
- View claim letters
- Track claim status
- View selected repair contractor information
We pay for the repairs
You have options for payments:
- Farmers pays the contractor directly
- You are reimbursed by direct deposit to your bank account or debit card
- We can send you a check
We close your claim
Once payments have been made, we will close your claim.
Homeowners FAQs
Get quick answers to our customers’ most common questions
Should I file a claim?
expand_moreIf you are not sure if you should file a claim, you can always consult your Farmers Agent for advice. When you file a claim on your own policy, you are responsible for your deductible even if you are not at fault. If you are not at fault, we attempt to get reimbursement from the at fault party's insurance company, and then reimburse your deductible to you.
Am I covered?
expand_moreOnce you file a claim, a Farmers Claim Representative will contact you and review your policy coverages and explain how they apply to your specific claim.
Will filing a claim affect my premium?
expand_moreMany variables are factored into your policy's premium, and your premium could be affected. Things like your driving record, at-fault accidents, home claims history and where you live may be taken into consideration. Talk to your Farmers agent if you have questions about your premium.
How do I send in receipts?
expand_moreYou can upload documents to a claim either by logging in or, if you do not have a login, you can upload them here.
How do I find a list of contractors?
expand_moreWill a claim representative come out to my home?
expand_moreWe try to handle most claims remotely through photos, mobile apps, and even drones. But in certain cases, an on-site inspection is necessary.