Homeowner

How to Report a Claim

We’re sorry you’re experiencing a loss. To ensure your claim is handled quickly and accurately, please follow the steps below.

• Find Your Policy Information
  Locate your policy documents and confirm:
  - Your policy number
  - Your agent’s name and contact information
• Go to Page 5
  ‍Page 5 of your Policy Declarations includes your insurance carrier’s claim reporting instructions, including:
  - Phone numbers
  - Email addresses
  - Mailing instructions (if required)
• Report Your Claim
  ‍Follow the carrier’s instructions to begin the claim with the proper claims team. This ensures your claim is routed correctly and processed without delays.
• Need Help? Contact Your Agent
  ‍Your agent can help confirm next steps or assist in submitting the claim.
• Still Unsure Who to Contact?
  ‍You may call Delos at 888-823-3567, and we’ll help guide you to the right claims resource.
  ‍Please note: Claims must be reported through the carrier or agent listed in your policy documents.

Emergency Situations - If there is a life-safety issue or immediate danger, call 911 before taking any other action.

OUR CLAIM HANDLING PROMISE TO POLICYHOLDERS

It is the responsibility of all Delos claim employees and service providers to deliver on our company’s promise when it comes to claim handling. We will:

• Listen, be fair, be open, and carry out our part of the bargain under the contract in good faith.
• We’re here to offer relief, not declinations
• Explain all relevant coverages under the policy. Encourage policyholders to report all losses and avail themselves of all benefits under their coverages.
• Diligently investigate the relevant facts to determine if a claim is valid, reasonably evaluate the claim and act promptly in resolving the claim in accordance with the insurance policy and applicable law. If it is necessary to reject a claim for coverage or damages, it should be done courteously, with an explanation for the decision.
• Make an objective evaluation of the facts and circumstances supporting our policyholders’ claims. Doing so helps ensure our policyholders obtain all benefits available provided by the insurance policy.
• Give insureds a reasonable opportunity to comply with their responsibilities under the policy. If a claim is rejected, be willing to listen to subsequent input from the insured. Complete any necessary follow up in a timely fashion, giving due consideration to any additional findings.
• Communicate with and be responsive to inquiries from insureds and their attorneys by promptly answering letters and phone calls.