Claims Frequent Questions
Home Insurance Claims
Other Homeowner Claims Related Topics
You should obtain an estimate from a contractor. Depending on the extent of the damage, we may also need to have an adjuster inspect the damage in addition to your provided estimate.
Amica has a Repair Assistance Program (RAP) available in most areas of the country. If you’re interested, we can put you in touch with a contractor to repair your home. You can always choose your own contractor and are under absolutely no obligation to use a contractor in our program.
We are required to list your mortgage company, because they have a legal interest in your property and a vested interest in seeing that the repairs are completed.
Our adjusters write estimates based on what they see during the inspection. We realize that additional damage may exist but may not be found until the work begins. Notify us immediately before the additional damage is repaired. We may need to inspect the additional damage to properly assess coverage and accurately estimate the cost of repairs. Supplemental payments may be issued if coverage applies.
Payment is generally issued as soon as we have inspected the damage, confirmed coverage and written an estimate for the cost of repairs. The time frame can vary if the loss is more complex or involves unique repair items.