If your claim includes structural damage to your property, your claim representative may set up an on-site appointment to review and estimate the damages.
Claims processing made easy.
It can be overwhelming when you experience damage to your property and have to file a claim. That’s why we are here to make the claims process as easy as possible, providing you with the information you need to feel prepared — from the initial claim to the final payment.
Start a claim by contacting us at
888-895-7725.
Managing Your Property Claim
If you have experienced damage to your home or have been a victim of theft, you will need to file a property claim. As with any claim, it is important to act quickly and gather the necessary information in order to expedite the process and ensure the claim is resolved quickly.
Follow these steps when filing a property claim through your homeowners insurance:
Follow these steps when filing a property claim through your homeowners insurance:
You can report a claim directly to Ohio Mutual by calling 888-895-7725. You can also report a claim to your independent agent.
When filing a claim, let us know the best time and method to contact you (phone call, text or email).
In the event of a crime, ask for a copy of the police report or note the report number so that your claim representative can quickly obtain a copy of the report.
It is best to gather these photos or make a list of missing items while your memory is fresh. If you have receipts or previous photos of items that are missing or damaged, these may also assist the claim representative and can help substantiate your losses.
This would entail any measures you can take to prevent additional damage, such as placing a tarp over a hole in your roof or boarding up a broken window. If you purchase items for this purpose, keep receipts so they can be reviewed as part of your claim.
What to Expect After Submitting a Claim
Once your claim has been filed, your dedicated claim representative will review your submission and policy details. Within one business day, your claim representative will then reach out to you to go over the details of your loss and explain your policy coverage.
Please note that submitting a claim does not guarantee coverage. Your claim representative may need to gather additional information regarding the claim and fully review your policy before they can determine coverage of the loss.
The claims process may also include additional steps, such as:
An inspection.
A damages list.
If you have items that were stolen or damaged, your claim representative will walk you through creating a damages list, including a description of each item, its age and other relevant details. Be sure to also keep any damaged property for inspection purposes.
Proof of ownership.
If you have any proof of ownership, such as pictures, receipts or owner’s manuals, your claim representative will walk through including these in your claim.
Receiving Payment for Your Claim
If your policy covers the loss, your claim representative will review all payment options available to you and you can choose the method that is most convenient.
Please note that if you have a mortgage, your loss payment may include the mortgage company as an additional payee. Please contact your mortgage company for specific details regarding endorsing the loss payment.
Please note that if you have a mortgage, your loss payment may include the mortgage company as an additional payee. Please contact your mortgage company for specific details regarding endorsing the loss payment.
Property Claim FAQs
A deductible is the portion of the loss you will pay out of pocket. This amount is subtracted from any payment made by the insurance carrier for loss.
When it is safe to do so, you should take photos of the damage and cover any broken windows, doors, or skylights with plywood or tarps to prevent further damage.
The first thing you should do is stop the source of water and remove wet items to prevent further damage. Also remove and secure any valuable items. Then, make a detailed inventory of damaged contents and take photos of the damage.
Your homeowners insurance policy is not the same as flood insurance. Flood insurance is offered by the National Flood Insurance Program to pay losses from floods associated with heavy rains, hurricanes, tropical storms and other severe weather situations.
Property Repair FAQs
It is the homeowner’s responsibility to select a contractor for repairs.
It is up to your discretion when choosing a contractor or company to provide an estimate or do the repairs to your property. We recommend selecting an established, licensed or bonded contractor (note that not all jurisdictions require licensing). You may also ask for references as well as certificates of insurance.
For water damage, we recommend selecting a professional IICRC (Institute of Inspection, Cleaning and Restoration Certification) certified company, such as SERVPRO or ServiceMaster. Water damage in particular may be hidden under carpets, behind walls or in unseen areas, which is why it is important to have a professional assess and respond to the damage.
Your claim representative will let you know when you can begin repairs on your home. It is important to wait to make any permanent repairs until you have approval from your claim representative.