Will my claim be covered?
It will depend on a number of factors: what coverage you purchased in your Farmers policy, what caused the loss or damage, and what property was lost or damaged, to name a few. If you're wondering if a particular loss or damage would be covered, contact your agent or Farmers Claim Services at 1-800-435-7764.
Can I choose who will do repairs to my property?
Yes. Your Farmers claims representative will work with your choice of vendor or contractor.
Will repairs be done properly and workmanship guaranteed?
By choosing your own contractor, you manage their work and ensure that the repairs meet your standards. If Farmers sends a vendor to your property to do specific work (for example, emergency services after a house flood or fire), we assure you that their work is done to appropriate standards.
Do I need to file a police report for property damage or loss due to theft?
Yes. Reporting losses to the appropriate authorities is required by your policy.
My home was damaged by burglars. Is the damage covered?
If you purchased dwelling coverage as part of your policy, the damage would be covered. To confirm this coverage, talk to your Farmers agent or your Farmers claims representative.
My home was damaged by a flood. Is the damage covered by my Farmers policy?
Farmers policies do not cover flood damage. If you also purchased flood insurance from the National Flood Insurance Program, the damages may be covered. Please speak with your Farmers agent to obtain more details.
If a hurricane, tornado, earthquake, forest fire or other natural disaster has damaged my property, is the damage covered by my policy?
Hurricanes, tornados and forest fires are typically covered by your Homeowners policy. To respond to these types of losses, we typically send the Farmers Catastrophe Corps – also known as the CAT Corps – to any large-scale natural disaster, to quickly assess damage and help our customers through the claims process. See the FAQs section on catastrophic claims for more information.
Because of the damage, my home isn't safe to live in. What do I do?
Your safety is priority number one! If you purchased additional living expenses coverage as part of your policy, and a covered loss makes your home uninhabitable, your policy will cover a reasonable increase in living costs to maintain your normal standard of living. Some restrictions and limitations apply, so please consult your Farmers claims representative.
What if I don't have all the information about my loss right now? Should I wait to file a claim?
No. File your claim as soon as possible after your loss. Then, if you come across additional information that would help your Farmers claims representative with the claim, provide it to him or her at that point. We can even reopen a claim after it's closed if you obtain information that might result in an additional payment to you.
What do you need to show proof of ownership for stolen property?
To prove that you owned property you are claiming as stolen, you may provide purchase receipts, owner's manuals or product packaging, appraisals, or photographs of the items in your home.
My tree fell on my next-door neighbor's roof. Does my insurance pay for the repairs, or does my neighbor's?
You and your neighbor should both file a claim with your own insurers. We will investigate your claim and determine who might be responsible.
Do I need to hire a public adjuster?
If you've suffered a major loss, you may be contacted by a public adjuster. These are independent claims adjusters who will charge you a fee for their services based on the total value of your claim. That fee is not a covered expense; you cannot seek reimbursement for that cost from Farmers. We're confident that your Farmers claims representative will investigate, evaluate and settle your claim fairly and efficiently, so that you do not need to hire a public adjuster, but the final decision is yours to make.
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