What to Expect After Filing Your Property Claim
If you're insured with Travelers, here's what you can expect after filing your property claim.
1. Your Claim professional will contact you to discuss your claim.
After you file a claim, your Claim professional will contact you to discuss your policy information and talk about next steps.
Your Claim professional may also suggest you register for MyTravelers®. In this portal, you can send secure messages, view claim status and payment details, and share documents.
If your Claim professional changes during your claim, we'll let you know.
2. We will evaluate the damage to your property and provide an estimate for repairs.
Depending on the loss, we can use a few different methods to inspect your property. These may include virtual inspection options like taking interior or exterior measurements with your mobile device and video conferencing, or an on-site inspection.
3. Find a contractor.
If your loss requires repairs, it’s important to find a contractor that is licensed and bonded. You should be prepared to give that contractor a copy of your Travelers estimate.
If you need help finding a contractor, you can ask your Claim professional or search our list of reputable service providers. We may also recommend the MyTravelers Repair Network for Property if we determine you're eligible after we inspect your loss.
4. Receive your payment.
After inspection, if your loss is covered, we’ll issue payment. Please note that your deductible will be subtracted from this payment.
Depending on the loss and who needs to be paid, we’ll issue the payment at or shortly after inspection. Payment options generally include checks and ePay. Your claim professional will let you know what to expect.
If the payment includes your mortgage company, you’ll need to contact them as soon as possible regarding payment release requirements. Our ePay option is unavailable if your mortgage company or lienholder must be added to the payment.
If you learn that the repair may cost more than our estimate, please contact your Claim professional as soon as possible. We will work with you to discuss potential changes and minimize interruptions to the repair process.
Frequently Asked Questions About the Payment Process
Generally, we issue payment shortly after we’ve completed the estimate and discussed the amount with you. The timeline for completing the estimate can vary based on the complexity of your claim, the extent of the damage and if supporting documentation for your claim is needed.
Detailed information about payments is provided in your settlement letter. You can expect to see a breakdown of payments, including the purpose of each payment (e.g., structural repairs, personal property, temporary housing) and any deductions (such as your deductible).
Check out our guide "Understanding Your Claim Estimate” for additional information.
Additional payments may be issued as we evaluate your claim (for example: payment for damages that are discovered during repairs and payment of recoverable depreciation at the completion of repairs).
Updates will be provided to you on the status of any additional payments as your claim progresses.
Check out our guide “What is Depreciation in Insurance Claims?” for more information.
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Additional Resources
Claim Guide Library
A collection of materials designed to help you navigate the claim process.
Upload a File
Securely upload your documents and photos to your Claim professional.
Check Your Claim Status
Find out where you are in the claim process.