Home Insurance Claims Process

Submitting a claim

We need some information from you to get your claim started. You can report a claim here, through our mobile app or by calling 800-242-6422.

Protecting your property from further damage

After a loss, you should protect your home from further damage, if it’s safe to do so. If you need help with emergency services after a covered loss, our Home Repair Assistance Program may be able to assist.

Inspection

We’ll assign an adjuster to assess the damage to your home and write an estimate for all visible, covered damage. Depending on the loss, this may take place in person or virtually. If additional damage is found during repairs, please contact your claim handler.

Investigation

We’ll complete a thorough investigation to determine the cause of your loss and explain how your coverage applies.

Claim payment

Upon completing an estimate of your covered damages, we may issue payment less the applicable deductible. Payment for any loss-related supplemental damages may also be issued. Payment can be made through Venmo, PayPal, EFT or a paper check. Once a digital payment is issued, look for an email from OneInc@amica.com to select the payment method that works best for you.

Subrogation

If another party is at fault for a covered loss, we may be entitled to recover damages. In these situations, we’ll request reimbursement for covered damages. This reimbursement often comes from the at-fault party’s insurance company. The process doesn’t begin until all repairs are complete.

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