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Property Claims

If your home or personal belongings have been damaged and need to be repaired or replaced, our insurance agents are close by to help you through the claims process. Whether you own a home, condo, mobile home, or you're a renter, we’re here to ease your mind and get you back on your feet after a property incident.

A white house with a red roof.

File a Claim

To file a claim online, please log into your policyholder account. You can also report a claim by calling your Fremont Insurance agent directly. If it's after regular business hours, please call our 24-hour Emergency Claims Service Center.

Emergency Claims Service Center

File a Claim Online

Check Claim Status

Check on the status of an open claim by logging into your policyholder account, or by contacting your claims specialist directly.

Check Claim Status Online

What the claims process looks like

We're here to make your claims process as smooth and straightforward as possible.

Here's what each step in the claims process looks like:


Submit Your Claim

To start the claims process, you'll need to contact your insurance agent and provide the details of what happened. Once your agent has collected the details of the incident they will submit a claim on your behalf. You may also contact our 24-hour Claims Service Center to report a loss.

Meet Your Claims Specialist

A claims specialist will be assigned to your case. They will contact you to verify the facts of the loss and explain your coverages and deductibles.

Schedule Inspection

Before repairs can begin, your specialist may need to schedule an inspection of the property to get an estimate. Your claims specialist will review the estimate with you to help you understand repair costs and deductibles.

Schedule Repairs

You may need to hire a contractor to repair the damage to your property. You can either hire a contractor of your choice or hire one of our preferred contractors through the Fremont Preferred Contractor Repair Program.

Get Status Updates Until Your Home is Repaired

Your claims specialist will have continued communication with you until your repairs are complete and your claim is closed. We offer several ways for you to stay in contact with your claims specialist to get a fast status updates (phone, text, email, fax).

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