Claims Resources

Frequently Asked Questions

Get answers to some of the most common questions about the Chubb claims process.

What do I need to do before filling a claim?

In the event of loss or damage to your property, you should report the claim immediately. In addition, you should take steps to protect it from further damage. After a covered loss, we reimburse the reasonable expenses you incur to protect your property from further covered damage. Some ways you can mitigate damage include:

  • Shutting off the water after a plumbing leak
  • Securing your home after a burglary
  • Calling the police after a theft
  • Calling the fire department
  • Moving or protecting property to prevent further damage

Check your Chubb policy for additional details and speak to your claim examiner once you file your claim.

When reporting a claim, it's helpful if you have the following:

  • Your policy number
  • The date the loss occurred
  • The address of the loss location
  • A brief description of the loss
  • The contact information for any other parties involved, including any contractors and experts

The earlier you contact Chubb to report your loss, the earlier we can help you. You can report your claim 24 hours a day, 7 days a week through several convenient claim reporting options, including by phone, fax, online and through your local Chubb agent. Click here for more information.

We make every effort to contact our Masterpiece® policyholders within six hours of the time the claim is reported. Your examiner will obtain all the relevant information from you, and advise you of the next actions needed to complete the process and serve as your primary point of contact for an answer any questions that may arise. Additionally, your local Chubb agent has online access to your claim and will receive automated updates throughout the process. For more information on the Chubb Property Claim Experience, click here.

Every claim is unique, and the length of the claim process depends on a number of factors, including receipt of any documentation required to adjust your claim, whether or not an inspection is needed to fully assess your damages, and whether any coverage questions exist and require additional investigation. In all scenarios, our goal is to provide you with prompt, efficient and accurate claim handling. Once an agreed settlement is reached, we make every effort to issue your claim payment within 48 hours.

Using your claim number, you can upload documents to your claim directly through our online application by clicking here.If you would like to forward documents to us via mail or fax, please contact your adjuster for the appropriate mailing address and fax number. Be sure to include your claim number on any documents you send.

Your policy provides you with extra living expense coverage above and beyond your normal living expenses in the event your home is uninhabitable due to a covered loss. These costs include your additional housing, hotel expenses, dry cleaning, animal boarding fees and food expenses above your normal expenditures. You will need to keep copies of your receipts and invoices to support these additional incurred costs.
If you will be out of the home for any extended period of time, we may assist you by engaging one of several housing vendors to identify a temporary housing arrangement. Check your Chubb policy for additional details and speak to your claim examiner once you file your claim.

Depending on the nature and extent of the damages, your claim may require an inspection by a field adjuster. The examiner will let you know if this is needed during your conversation. In these instances, the field adjuster will contact you to make an appointment to meet with you at a mutually convenient time to inspect your damages.

If other parties are responsible for the damage to your property, our Recovery Department will work on your behalf to recover your deductible from the responsible party and reimburse it to you. This process is known as subrogation. If we successfully recover any monies, your deductible will be refunded in part or in whole based upon the recovered amount and/or local laws. For more information on the recovery process, click here.

Talk to your examiner before discarding any damaged items. Once we have inspected the property or obtained documentation from you supporting that the damaged articles are non-repairable, the items can typically be discarded. In some cases, we may want to obtain your damaged items for salvage.

Because your mortgagee has a financial interest in the property, they are included as a payee on larger claims involving building damages. We suggest you contact them prior to payment being issued to understand what their endorsement requirements are.

Any payments for your personal property or non-building damages will be paid by separate check to you directly. Check your Chubb policy for additional details and speak to your examiner once you file your claim.

You will need to hire a contractor to complete any repairs necessary. Chubb will seek to reach an agreed scope and price with your contractor, but our payments will be issued to you.

As a Chubb policyholder, you have exclusive access to Chubb's preferred vendor network for emergency, mitigation and repair services. We can refer you to a Chubb-approved preferred vendor, where available, or you can choose to hire a contractor of your choice. You can talk to your examiner for more information on the services available to you as a Chubb policyholder and check your Chubb policy for additional details.

Call 911 for emergency assistance, especially in the event of any injury. After calling 911, you should:

  • Remain at the scene of the accident
  • Take photos of the accident scene and vehicles involved
  • Exchange insurance and contact information with anyone involved or witnesses to the accident

For more information, click here.

When reporting a claim, it's helpful if you have the following:

  • Your policy number
  • The date the loss occurred
  • The address of the loss location
  • A brief description of the loss
  • The contact information for any other parties involved, including any contractors and experts

The earlier you contact Chubb to report your loss, the earlier we can help you. You can report your claim 24 hours a day, 7 days a week through several convenient claim reporting options, including by phone, fax, online and through your local Chubb agent. Click here for more information.

We make every effort to contact our Masterpiece® policyholders within six hours of the time the claim is reported. Your examiner will carefully guide you through the claim process and will be your primary point of contact to answer any questions that may arise. Additionally, your local Chubb agent has online access to your claim and will receive automated updates regarding your claim's progress. For more information, click here.

The Chubb Mobile Estimate app, powered by Snapsheet©, provides you with a fast and convenient option for estimating auto damage following an accident covered by a Chubb insurance policy. Using photos taken and submitted via the application, we are able to quickly generate your estimate within a few hours and settle over 50% of claims in the same day. According to several criteria, your claim examiner will determine if your claim qualifies for use of the app. For more information, click here.

You can take your vehicle to the repair shop of your choice. Chubb also has a network of preferred repair shops that we offer to our Masterpiece policyholders. Should you choose to repair your vehicle with one of our preferred repair shops, a representative from the shop will make every effort to contact you within 24 hours to schedule an appointment. While we allow you to choose the auto body shop for your car's repairs, we guarantee the workmanship of repairs done at a preferred shop for as long as you own or lease your vehicle. Check your Chubb policy for additional details and speak to your examiner once you file your claim.

Your examiner will work with one of our preferred rental vendors to arrange a replacement vehicle if your car is in the shop for repairs following a covered accident, or if it is totaled or stolen. We will reimburse the vendor directly for your rental car, so you won't have to worry about the bill. Rental services are available nationwide, and many of our preferred shops have rental vehicles at their facilities. Of course, you can also choose any rental car agency you prefer to work with. Check your Chubb policy for additional details and speak with your claim examiner once you file your claim.

Typically a vehicle is a total loss when the repair cost plus the anticipated salvage value is greater than the market value of the vehicle. In some states, a vehicle may be a total loss if the repair costs exceed a percentage of the vehicle's value. Your adjuster will help determine if your vehicle is a total loss will serve as your primary contact for questions or concerns.

Chubb's specialized total loss unit will work toward a prompt resolution of your claim. Our Masterpiece®products offer choices and features not typically found in standard policies. As a Masterpiece® policyholder, if you have Agreed Value coverage and your car is determined to be a covered total loss, your deductible will be waived and we will write you a check for the agreed amount. Check your Chubb policy for additional details and speak with your claim examiner once you file your claim.

Every claim is unique, and the length of the claim process depends on a number of factors, including receipt of any documentation required to adjust your claim, whether or not an inspection is needed to fully assess your damages, and whether any coverage questions exist and require additional investigation. In all scenarios, our goal is to provide you with prompt, efficient and accurate claim handling. Once an agreed settlement is reached, we make every effort to issue your claim payment within 48 hours.

Using your claim number, you can upload documents to your claim directly through our online application by clicking here. If you would like to forward documents to us via mail or fax, please contact your examiner for the appropriate mailing address and fax number. Be sure to include your claim number on any documents you send.

If other parties are responsible for the damage to your automobile, our Recovery Department will work on your behalf in an effort to recover your deductible from the responsible party and reimburse it to you. This process is known as subrogation. Depending on the circumstances of your claim, it is not uncommon for it to take several months to reach a settlement with the responsible party and/or their insurance provider. If we successfully recover any monies, your deductible will be refunded in part or whole based upon the recovered amount and/or local laws. For more information on the recovery process, click here.

If you have any questions or concerns, your examiner is a continued resource available to you to address any questions or concerns you may have about your claim.

We offer several convenient claim reporting options 24 hours a day, seven days a week:

  • Via phone at 1-800-699-9916
  • Via fax at 1-800-664-1765

For more information on the Chubb workers compensation claim experience, click here.

You should report an accident:

  • If an employee reports an accident to you
  • If you witness an accident or injury
  • If you suspect an employee is injured and you are not sure if it is related to work, we encourage you to speak with your employee and document the findings in writing. Consider reporting any accidents to Chubb if there is any potential that the injury is related to your employee's job duties.

Claims should be reported as soon as possible. As a rule of thumb, you should report a claim to Chubb within 24 hours of the notice/report of a potential loss so that we can begin handling your claim as promptly and efficiently as possible.

In most instances, if the injury is report only (no medical treatment sought) or involves minor medical treatment, no contact with the injured worker is necessary to process the claim. In the event that further information is needed, the employee will be contacted by a representative from our claim department. If the injured worker is losing time from work beyond the state waiting period, an adjuster will contact the injured worker within 24 hours.

In most instances, if the injury is report only (no medical treatment sought) or involves minor medical treatment, no contact with the employer may be necessary to process the claim. In the event that further information is needed, the employer will be contacted by a representative from our claim department. If the injured worker is losing time from work beyond the state waiting period, an adjuster will contact the employer within 24 hours.

We encourage employers to report all injuries, even those that do not require medical treatment at the time of the accident. Investigations can be compromised if the claim is not reported in a timely manner. This can result in missed opportunities for us to handle the claim effectively, and in some states, subject you to potential fines for untimely reporting.

In some states, an employer can direct care for the injured worker, whereas in other states, the employer cannot direct care and the injured worker has choice of physician.

If the injured worker requests assistance in locating a physician, providers within the PPO network can be located on Corvel's website. Through our Pharmacy Benefit Management Program, injured workers are provided with ID cards that can be used to fill prescriptions at participating pharmacies, which allows the injured worker to avoid out-of-pocket expenses. Download a pharmacy card here.

We cannot mandate or force an injured worker to see a doctor. However, it is in both parties' best interests to see a doctor to evaluate and determine if an injury exists and if it was caused by the work incident.

Your employee's safe return to the workplace is dependent on the nature and severity of the injury. It is up to your employee's physician to determine when it is safe and feasible for the employee to return to work.
As an employer, it is at your discretion whether or not you will accommodate modified work duty. However, some advantages may be:

  • Potential reduction in indemnity costs if the injured worker is allowed to return to work on a modified or transitional basis.
  • Injured worker remains a productive employee of the organization and remains connected to the employer.
  • Potential reduction in the cost of hiring and/or training new personnel to replace the injured worker.

Each state has rules regarding an employee's wages when they return to work in a modified capacity. Some state jurisdictions require partial wage differential benefits be payable by Chubb if the employee returns to work at a reduced wage. Your local Chubb Workers Compensation Claim Office can provide you the specific state requirements at the time the occurrence is reported to Chubb.

A physician is the only party qualified to decide the physical restrictions that would allow an injured worker to safely return to work. Your role as the employer is to determine whether or not you have work that fits within the physician-dictated restrictions. If you have any concerns, the Chubb adjuster assigned to your employee's claim can answer your questions.

Once we have completed our investigation and obtained medical documentation supporting the injury and disability, checks are typically issued within 48 hours.

Each state jurisdiction varies with regards to the "waiting period" and wage reimbursement. Please contact the adjuster assigned to your employee's claim for additional claim-specific information.

If the injury is determined to be work-related, medical care that is reasonable and necessary to treat the injury-related illness is typically covered. This could include physician visits, rehabilitation and prescription medication.

Medical bills should be sent to Chubb as soon as you receive them. Using your claim number, you can upload your medical bills directly through our online application by clicking here. If you would like to forward your medical bills via mail or fax, please contact your adjuster for the appropriate mailing address and fax number. Be sure to include your claim number on any documents you send.

No. Workers compensation wage loss benefits are not taxable.

Workers compensation is a form of insurance purchased by employers to protect workers who are injured in the course and scope of employment. If you suffer an injury that is determined to be work-related, workers compensation may cover the reasonable and necessary medical expenses you incur to treat the injury. Each state sets its own rules and regulations regarding workers compensation benefits.

An injury or suspected injury should be reported to your employer as soon as possible, and your employer will in turn file a claim with Chubb. Failure to report an injury in a timely manner can impact potential benefits that may be available to you.

Once your employer reports your claim to Chubb, the claim will be assigned to a claim adjuster. The claim adjuster will conduct an investigation to determine if your injury is covered under your employer's workers compensation policy, and you may be contacted by the adjuster during this process for additional information. If your injury is determined to be work-related, it is our goal at Chubb to help you get the medical care you need to help you get back to work as soon as possible.

There are two primary types of benefits payable under a workers compensation policy:

  1. Medical benefits for reasonable and necessary medical treatment that is related to the injury as a result of a work-related incident.
  2. Wage loss replacement benefits if your injury causes you to lose time from work.

Your employer pays the premium for the insurance coverage and there are no out-of-pocket expenses to you for covered injuries.

The role of the adjuster is to help ensure that you receive timely, appropriate medical care that restores you to your pre-injury status and allows you to return to work safely. Your claim adjuster will be in touch with you throughout the claim process to make sure things are progressing. You should feel free to contact your adjuster at any time if you have any questions.

Nurse case managers will work in collaboration with your assigned adjuster to assist with medical management and a safe return to work.

There is no waiting period for medical benefits. For wage replacement benefits if you are losing time from work, each state has established laws governing what the waiting period or eligibility time frames are. Please visit the website of your applicable state agency for more information. Information may also be found on the "State Workers Compensation Officials" page of the US Department of Labor website (www.dol.gov).

The rules and regulations vary by state. Please feel free to visit the website of your applicable state agency. Information may also be found on the "State Workers Compensation Officials" page of the US Department of Labor website (www.dol.gov).

In some states, your employer has the ability to choose a provider for you, whereas in other states, you may be able to select your own medical doctor. Please check with your employer for information regarding access to medical care or refer to your state agency.

For prescription medications related to your work injury, your employer has a first fill card available for you to use to fill your prescriptions so that you will not incur any out-of-pocket expenses for medications.

You will receive a packet from our pharmacy benefits manager, Express Scripts. Express Scripts processes medications electronically directly with Chubb. Please feel free to visit their website at https://oasis.express-scripts.com/oasis/pharmacySearch.html for a list of participating pharmacies.

Medical bills related to your work injury are paid by Chubb. Medical bills should be sent to Chubb as soon as you receive them. Using your claim number, you can upload your medical bills directly through our online application by clicking here. If you would like to forward your medical bills via mail or fax, please contact your adjuster for the appropriate mailing address and fax number. Be sure to include your claim number on any documents you send. You should also provide your claim number and the billing information to each medical provider and inform them that you have a workers compensation claim.

Transitional or modified job duties are alternative work tasks that are lighter in nature than your pre-injury job tasks. If your physician feels you are capable of work with restrictions, we encourage you to discuss this with your employer to determine if your employer is able to accommodate those restrictions. Transitional or modified work provides you with an opportunity to quickly and safely return to the workplace before you are ready to perform your pre-injury job. Transitional duty can help you to gradually work back up to your full job duties and allows you to maintain communication with your employer and co-workers.

The type and duration of your physical limitations is determined by a physician. It is also up to your employer to determine how long they are able to accommodate transitional or modified duty and we encourage you to discuss this with your employer.

For questions pertaining to your claim, please contact your claim adjuster.

Subrogation is another term for payment recovery. When you suffer a covered loss that is the fault and responsibility of a third party, we step in to recover money from that third party. This includes your deductible and the amount we paid on the claim.

Successful recovery can have many benefits to you as a Chubb policyholder, including:

  • Reimbursing your deductible
  • Improving your loss history
  • Holding people accountable for their negligent actions

Regardless of fault, when you submit a covered claim to Chubb, you are required to pay the deductible stated in your policy terms in order for repairs to begin. However, if a third party is responsible for your loss, Chubb's recovery department will step in and seek to recover your deductible and the amount we paid on the claim from the responsible third party. If we are successful in recovery, your deductible may be refunded in part or whole based upon the recovered amount and/or local laws.

If a third party is responsible for your covered loss, your claim will be referred to Chubb's dedicated recovery department following payment of the claim. The recovery department will review the facts surrounding your case to determine recovery opportunities. If recovery is successful, your deductible may be refunded in part or in whole based upon the recovered amount, local laws and policy provisions.  For more information on the recovery process, click here.

In many cases, we are able to recover what is owed within four to six months, especially in auto claims. Some claims present challenges that can lengthen the process, such as when a claim requires litigation. While there is no set rule for the amount of time it will take to recover, we will do everything in our power to move the process along as quickly as possible.

We may require additional information on some claims, so before you dispose of any materials related to your claim, make sure you clear it with your Chubb examiner. Save any and all documentation that may relate to the loss, and take photos of any damaged property. This helps us increase our chances of recovering your deductible as quickly as possible.

In the event of loss or damage to your property, you should report the claim immediately. In addition, you should take steps to protect it from further damage. After a covered loss, we reimburse the reasonable expenses you incur to protect your property from further covered damage. Some ways you can mitigate damage include:

  • Securing your vessel after damage occurs
  • Calling the police after a theft
  • Calling the fire department
  • Moving or protecting property to prevent further damage

Check your Chubb policy for additional details and speak to your claim examiner once you file your claim.

When reporting a claim, it's helpful if you have the following:

  • Your policy number
  • The date the loss occurred
  • The address of the loss location
  • A brief description of the loss
  • The contact information for any other parties involved, including any contractors, experts or other involved or injured parties

The earlier you contact Chubb to report your loss, the sooner we can help you. You can report your claim 24 hours a day, 7 days a week through several convenient claim reporting options, including by phone, fax, online and through your local Chubb agent.

We make every effort to contact our Masterpiece® policyholders within six hours of the time the claim is reported. Your examiner will obtain all the relevant information from you and advise you of the next actions needed to complete the process and will be your primary point of contact to answer any questions that may arise. Additionally, your local Chubb agent has online access to your claim and will receive automated updates throughout the process. 

Every claim is unique, and the length of the claim process depends on a number of factors, including receipt of any documentation required to adjust your claim, whether or not an inspection is needed to fully assess your damages, and whether any coverage questions exist and require additional investigation. In all scenarios, our goal is to provide you with prompt, efficient and accurate claim handling. Once an agreed settlement is reached, we make every effort to issue your claim payment within 48 hours.

Using your claim number, you can upload documents to your claim directly through our online application by clicking here.If you would like to forward documents to us via mail or fax, please contact your adjuster for the appropriate mailing address and fax number. Be sure to include your claim number on any documents you send.

Depending on the nature and extent of the damages, your claim may require an inspection by a marine surveyor. The examiner will let you know if this is needed during your conversation. In these instances, the marine surveyor will contact you to make an appointment to meet with you at a mutually convenient time to inspect your damages.

If other parties are responsible for the damage to your property, our Recovery Department will work on your behalf in an effort to recover your deductible from the responsible party and reimburse it to you. This process is known as subrogation. If we successfully recover any monies, your deductible will be refunded in part or in whole based upon the recovered amount and/or local laws. For more information on the recovery process, click here.

Talk to your examiner before discarding any damaged items. Once we have inspected the property or obtained documentation from you supporting that the damaged articles are non-repairable, the items can typically be discarded. In some cases, we may want to obtain your damaged items for salvage.

Because your mortgage has a financial interest in the property, they are included as a payee on larger claims involving vessel damages. We suggest you contact them prior to payment being issued to understand what their endorsement requirements are.

Any payments for your personal property or non-vessel damages will be paid by separate check to you directly. Check your Chubb policy for additional details and speak to your examiner once you file your claim.

You will need to contract with a marine repair facility to complete any repairs necessary. Chubb will seek to reach an agreed scope and price with your marine repair facility, but our payments will be issued to you.