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.

Get started

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

If 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.

Once 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.

Many 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. 

You can upload documents to a claim either by logging in or, if you do not have a login, you can upload them here

We try to handle most claims remotely through photos, mobile apps, and even drones. But in certain cases, an on-site inspection is necessary.