Claims

We make the claims process less of a process.

Dealing with a loss to your property can take its toll. The last thing you want is a long, drawn-out process to file and resolve claims. Fortunately, you don't have to with Chubb. Our dedicated and experienced team will work tirelessly to make sure your claim goes from submitted to resolved as quickly and efficiently as possible.

Safety First

In the event of loss or damage to your property, you should report the claim immediately. But first, it's important to take steps to protect your property from additional damage. Below are tips to help you. Keep in mind, for a covered loss, your policy may provide reimbursement of reasonable expenses incurred for temporary repairs that protect your property from further damage.

Ways to Mitigate Damage:

  • Shut off the water after a plumbing leak
  • Secure your home after a burglary
  • Call the police after a theft
  • Call the fire department
  • Move or protect property to prevent further damage

Check your Chubb policy for additional details and requirements. Contact your claim adjuster or Chubb agent once you file your claim.

Get Started: Filing Your Claim

The first step to recovering your loss is to file a claim. We make it easy with three convenient reporting options, 24 hours a day, 7 days a week.

  1. By phone – Call 1-800-CLAIMS-O (1800-252-4670), please take precautions and then call when you are safe.
  2. Online – Click here to file a claim.
  3. Contact your local agent – Contact your local Chubb agent to submit a claim on your behalf.

What's Next? Information Gathering

Once you submit a claim, you will be assigned a dedicated Claim Representative who will make every reasonable effort to contact you within six hours. We understand that no two properties or personal items are alike, so be sure to provide as many details as you can. The more information we have about your loss, the better able we will be to adjust your claim. Although we manage thousands of claims every year, we treat each client the way we would want to be treated, with the same individualized care and attention.

Assessing the Damage: The Estimate

You may be asked to obtain a repair estimate from a local contractor. If an onsite inspection is needed, we will work with you to coordinate a time that is convenient for all. If you need assistance getting a repair estimate, we can help arrange for one of Chubb’s preferred contractor resources to provide one for you. While there are many benefits to Chubb’s preferred vendor network, the freedom to use whomever you like for repair estimates and restoration is yours. Whether you engage your preferred contractor or one of ours, we will review your estimate and come to an agreed price with the contractor. If at any time you have concerns about your estimate, we’ll work with your contractor to ensure you are fairly compensated for your covered damages. Additionally, if there are any changes to the initial scope of covered work or contractor costs - again, we'll treat you fairly. 

Our Preferred Vendor Network: Starting Your Repairs

If you have covered water or fire damage to your property, we can arrange for one of our preferred vendors to immediately respond to help minimize damages and prepare your premises before any repairs begin. Once any immediate or ongoing damage is under control, it's time to begin the repair process. Depending on what you're more comfortable with, you may use your own contractor or find one from our preferred network. The choice is always yours. If you're not sure which way to go, we have highlighted some of the benefits of using our Preferred Vendor Network below:

  • Vetted Resource – An insured resource that is actively reviewed for quality assurance, credentials, capabilities and training
  • Expert Guidance – Added value and guidance throughout the entire claims process
  • Value-added Services: 24/7 access for certain types of services, including drying and dehumidification for water damage; deodorization, soot removal and reconstruction for fire damage; testing, remediation and abatement for mold issues; disaster recovery after a catastrophe; and additional services, such as consulting, large-scale cleaning and building inspection
  • Single Contractor – The convenience of having a single contractor from mitigation through repairs
  • Warranty – A three-year workmanship warranty provided by the contractor

A Return to Normalcy: Settlement and Resolution

Life doesn't slow down for anything. And when you're a Chubb policyholder, it doesn't have to. If it's determined that the covered damage to your property makes it uninhabitable or you have extensive damage to your belongings resulting from your covered loss, we can provide payment in advance to cover temporary living expenses, clothing and other immediate needs.

The time it takes us to guide you through a claim depends upon a number of factors, including how quickly we receive documentation, whether an inspection is needed to fully assess damages or if additional investigation is required.

In every instance, our goal is to keep you apprised along the way and to provide you with prompt, efficient and skilled claims service. If a claim is covered and resolved, we make every effort to issue your claim payment within 48 hours. After all, we know we're not just restoring properties and possessions, we're restoring people's lives.