home insurance claims
HOME INSURANCE CLAIMS AAA is committed to delivering high-quality customer service by making your claim process smooth and hassle-free — so you can focus on getting back to a normal way of life as soon as possible. The following information should help answer any questions you may have regarding the process. HOME INSURANCE CLAIM HANDLER Once a claim has been filed, a Home Insurance claim handler will be in contact with you within one business day. After they have reviewed your case, they will be in a better position to discuss with you the particulars of a specific claim. PROTECTING YOUR PROPERTY FROM FURTHER DAMAGE You should make any necessary and reasonable repairs that require immediate attention to protect your property from further damage. Keep a detailed record of all costs and save your receipts for potential reimbursement. If you decide to repair damage prior to a claim handler contacting you, be sure to take photos of the damage. Do not discard the damaged property until a claim handler has had a chance to inspect it. Also, make a list of the damage or stolen property for the claim handler to review. DIRECT HOME REPAIR PROGRAM The Direct Home Repair Program is a network of approved independent contractors and service providers who work together to complete water remediation and structural repairs. The advantages to using a Direct Repair Home Program provider are: •E very contractor is properly licensed and insured and all employees undergo a comprehensive background check. •A AA can help you find the right contractor/service provider for the job type, job size and location of your loss. •Y ou’ll receive a written five (5) year limited warranty from the contractor/service provider for their workmanship on the structure repairs completed, which is one of the best warranties in the industry. •F or emergency claims (water, smoke, fire and certain storm damage), uniformed technicians will be on the scene within two to four hours after receiving an assignment. CHOOSING YOUR OWN REPAIR CONTRACTOR OR SERVICE PROVIDER You should properly research a prospective contractor before any work begins — verify their license, get references and estimates, obtain information in writing and get a thorough contract. Your AAA Home Insurance claim handler can walk you through the necessary steps for selecting a competent repair contractor or service provider.
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HOME INSURANCE CLAIMS LIVING EXPENSES WHILE YOUR HOME IS BEING REPAIRED If your home is unlivable as a result of a loss covered by your policy, it may be necessary for you to move to a temporary location. Your homeowner policy will cover any Additional Living Expenses that are above and beyond your normal expenses while your home is being repaired. This includes meals, lodging and other related expenses necessary to maintain your normal standard of living. A Home Insurance Claim Representative is available 24 hours a day to answer your questions and assist you in finding temporary lodging. Be sure to keep your receipts for meals, lodging or any other expenses incurred. FOR MORE INFORMATION… Please consult your claim handler with any additional questions you may have regarding your claim. For general claim questions, call the toll-free number for your region listed on the back of your membership card or the number on your certificate of insurance. To report fraud, call the AAA Fraud Hotline 24 hours a day at 888.FRAUD.83 (888.372.8383). In Illinois, Indiana, Iowa, Minnesota and Ohio, auto and home insurance underwritten by Auto Club Insurance Association or MemberSelect Insurance Company; in Kentucky and West Virginia, by Auto Club Property-Casualty Insurance Company; in Michigan, by Auto Club Insurance Association family of companies; in Wisconsin, by Auto Club Insurance Association or Auto Club Group Insurance Company; in Nebraska and North Dakota, auto insurance underwritten by Auto Club Insurance Association or MemberSelect Insurance Company; home insurance by non-affiliated companies. This email is intended to provide general information about the claim process. Your policy and its endorsements, plus applicable deductibles, determine exact coverages and payment of losses.
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HOME INSURANCE CLAIMS LIVING EXPENSES WHILE YOUR HOME IS BEING REPAIRED If your home is unlivable as a result of a loss covered by your policy, it may be necessary for you to move to a temporary location. Your homeowner policy will cover any Additional Living Expenses that are above and beyond your normal expenses while your home is being repaired. This includes meals, lodging and other related expenses necessary to maintain your normal standard of living. A Home Insurance Claim Representative is available 24 hours a day to answer your questions and assist you in finding temporary lodging. Be sure to keep your receipts for meals, lodging or any other expenses incurred. FOR MORE INFORMATION… Please consult your claim handler with any additional questions you may have regarding your claim. For general claim questions, call the toll-free number for your region listed on the back of your membership card or the number on your certificate of insurance. To report fraud, call the AAA Fraud Hotline 24 hours a day at 888.FRAUD.83 (888.372.8383). In Illinois, Indiana, Iowa, Minnesota and Ohio, auto and home insurance underwritten by Auto Club Insurance Association or MemberSelect Insurance Company; in Kentucky and West Virginia, by Auto Club Property-Casualty Insurance Company; in Michigan, by Auto Club Insurance Association family of companies; in Wisconsin, by Auto Club Insurance Association or Auto Club Group Insurance Company; in Nebraska and North Dakota, auto insurance underwritten by Auto Club Insurance Association or MemberSelect Insurance Company; home insurance by non-affiliated companies. This email is intended to provide general information about the claim process. Your policy and its endorsements, plus applicable deductibles, determine exact coverages and payment of losses.
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