We understand that every second counts when it comes to repairing your home after a loss. That's why we're dedicated to making sure your home claim experience moves as quickly and efficiently as possible. Understanding the process can help you take things step by step.
Step 1: Make a claim.
Call 1-800-588-7400 to report a home claim anytime, any day. Please have your policy number ready.
Step 2: Talk with a claims team member.
Your agent will be notified and an Encompass claims specialist will follow up with you by the next business day.1
Step 3: Evaluate damages and make an estimate.
Your claims team member will schedule an inspection of the damage and prepare an estimate for covered damages based on necessary repairs and/or replacement.
Step 4: Review your estimate.
Your adjuster will contact you to discuss the damage estimate and settlement based on your policy provisions, terms and coverage.
Step 5: Complete your claim.
We will send you appropriate documents and applicable payments.
Your claims service representative will work closely with you to help explain exactly what protection your policy provides. And for some claims, these additional services may also be available:
Workmanship guaranteed on repairs.
You have the right to choose your own contractor. But if you prefer, we can refer an approved contractor in many areas, which comes with a workmanship guarantee on repairs and materials for up to three years. If you elect to work with your own vendor or contractor, your claims representative will prepare and review the estimate with you and provide you with a check for the repairs.
Emergency water mitigation.2
We can work promptly to arrange for emergency water mitigation services to help limit and prevent further damage as a result of a covered loss.
Visit our Home Claims FAQ for more information on some of our customers' most commonly asked questions.
View home claims FAQ
Use our Adjuster Summary Guide for an easy-to-understand breakdown of a typical adjuster summary.
Your claims team member will help guide you through every step of the home claims process, and you can always reach out to your Encompass Independent Agent for more assistance or for further explanations of your policy coverage.