What to Expect After Filing Your Property Claim
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Logo: Travelers. Text: Understanding the Property Claim Process. In an animation, a tree falls onto a home's roof. A property claim form appears beside a person and a question mark.
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SPEAKER: Is this your first property claim, or do you need a refresher on how the claim process works? No problem. Our process is simple and we're here to assist every step of the way.
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Here's what to expect. After you filed your claim, we'll contact you with next steps.
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In most cases, you'll hear from us within two business days, often sooner. Our goal at this stage is to get the ball rolling on your claim.
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Next, we'll assess the damage. Whether it's a virtual walk-through or an in-person inspection, we can tailor our inspection method to suit your needs.
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If an on-site inspection is necessary, we'll schedule a date and time that fits your schedule.
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A calendar appears below text: Property Inspection. A hand writes a signature beside a dollar sign on an Approved Estimate document below Text: Receive Your Payment.
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Then we'll provide an estimate for repairs. For covered damages, payment is easy. We offer a variety of electronic and direct payment options.
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If you haven't already found a contractor, we can connect you to one that's licensed, insured and can offer up to a five-year warranty.
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For more information, ask your Claim professional about the MyTravelers® Repair Network.
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Remember, Travelers is committed to supporting every step of your claim. We're here to assist until the nails are in and the paint is dry on your repair.
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Text: Thanks for Being a Travelers Customer. Logo: Travelers. Text: Visit My Travelers dot com or download the MyTravelers® registered app for more information about your claim. © 2025, The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of the Travelers Indemnity Company in the U.S. and other countries. This material does not amend or otherwise affect the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.
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
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