Claims Information

Homeowners Insurance Claims

We know how important your home and your possessions are to you. First American provides you comfort and security for items you value most. If a loss occurs to your home:

  • Contact the proper authorities
  • Take reasonable measures to protect your property from additional damage
  • Report the claim
  • Keep a record and receipts of any temporary repairs made to your home

Homeowners claims may go beyond physical damage and theft of your property, and can include liability claims. For example, if a person slips and falls on your property, a Third-party claim can be filed against your policy for injuries and medical bills.

Understanding Our Homeowners Claims Process

Report the Claim

Filing a claim can be stressful, and during your time of need, First American Property and Casualty Insurance Group’s goal is to provide you with peace of mind. We are here to make reporting your claim as easy as possible, and First American Property and Casualty Insurance Group has two flexible options to report your claim.

You can report your claim by phone or by visiting www.fapcig.com. When you contact First American Property and Casualty Insurance Group by phone, our experienced and knowledgeable customer service representatives will ask you a few questions about your claim and guide you through the claim process.

You can also submit your claim online at www.fapcig.com.  Once your online claim submission is received, our customer service representatives will contact you as soon as possible.

Discuss Policy Coverage and Deductibles

Once your personal claim file is opened, our customer service representative will assign your claim to a Homeowners Claims Adjuster to work with you throughout the claim process.  It is important you understand your policy, and your Adjuster will take the time to explain your policy to you.  Your Adjuster will review the amount of coverage on your policy and any discuss your deductible. Your deductible is the amount of money you will have to pay out-of-pocket before an insurance policy provides coverage.

Policyholder and Non-Policyholder Claims

When you have a loss on your home, policyholders and non-policyholders can file a claim. As a policyholder, you can file a first party claim.  First party claims are claims that include damage to your home or theft of your personal property. Non-policyholders can file a third party claim.  Third party claims are filed by someone else, and who is at fault and liabilities from an injury are the deciding factors in a third party claim. We will investigate the circumstances surrounding your loss, and determine what is covered on your policy based on numerous factors, including liability and fault.

Gather the Details of your Claim

The details of your claim are important, and on occasion, the circumstances surrounding your loss are not clear. When this happens, our Claim Adjuster will reach out to you, witnesses, and contact the proper authorities to gather more information about your claim.  This will include photos/video of the loss, contacting your local police or fire department, and can include appraisals, receipts, or video of items taken prior to the loss to settle your claim. The better your records are, the quicker and more accurate your loss settlement can be.

Settle Your Claim

Once your claim Adjuster has received all the details and information surrounding your claim, we will prepare an estimate for all damage included in your loss.  This estimate will include:

  • Dollar amount for damage to your home or personal property
  • Dollar amount for theft of your personal property
  • Living expenses incurred due to the loss

You will have the option review the estimate and select a contractor of your choice.  When work is complete, a settlement for your loss is paid.  If your home is financed, the name of the mortgagee or lienholder will appear on any property damage payments.

Meet Your Homeowners Claims Team

The First American claims team will personally handle your claim from start to finish.  Our claims team includes:

Customer Service Representative

Our customer service representative assist you with your claim and document the details of your loss, provide you with a claim number, and assign your claim to one of our home adjusters.

Home Adjuster

Once a home adjuster is assigned to your claim, the adjuster will assess the damage to your property and help you coordinate repairs, emergency services, or temporary housing if needed.

Disclaimer

The information provided is for information purposes only. The terms, conditions, and verbiage contained in your insurance policy are legally binding and supersede information provided on this website.  The information provided on this website does not create any obligations, or rights on the part of the insured, First American Property and Casualty Insurance Group, or an agent or broker. Lastly, the examples and definitions contained are not a substitute for actual the insurance policy provided by First American Property and Casualty Insurance Group.

Auto Insurance Claims

Auto accidents are scary and stressful. When you're in an auto accident, please keep the following steps in mind:

  • Remain calm and think clearly
  • Turn on your hazard lights
  • If it is safe to do so, move your vehicle out/away from traffic
  • Contact the emergency personnel and the proper authorities
  • Exchange insurance information with others in the accident and witnesses at the scene
  • Take photos/video to document the scene of the accident and damage to your vehicle

Once you have followed the steps above, contact First American Property and Casualty Insurance Group immediately to report your claim.

Understanding Our Auto Insurance Claims Process

Report the Claim

Being involved in an auto accident can be stressful, and during your time of need, First American Property and Casualty Insurance Group’s goal is to provide you with peace of mind. We are here to make reporting your claim as easy as possible, and First American Property and Casualty Insurance Group has two flexible options to report your claim.

You can report your claim by phone or by visiting www.fapcig.com. When you contact First American Property and Casualty Insurance Group by phone, our experienced and knowledgeable customer service representatives will ask you a few questions about your claim and guide you through the claim process.

You can also submit your claim online at www.fapcig.com.  Once your online claim submission is received, our customer service representatives will contact you as soon as possible.

Discuss Policy Coverage and Deductibles

Once your personal claim file is opened, our customer service representative will assign your claim to a Claims Adjuster to work with you throughout the claim process. It is important you understand your policy, and your Adjuster will take the time to explain your policy to you. Your Adjuster will review the amount of coverage on your policy and advise you regarding your deductible. Your deductible is the amount of money you will have to pay out-of-pocket before an insurance policy provides coverage.

Gather the Details of your Claim

The details of your claim are important, and on occasion, the circumstances surrounding your loss are not clear. When this happens, our Claim Adjuster will reach out to you, witnesses, and contact the proper authorities to gather more information about your claim. This will include photos/video of the loss, contacting your local police or fire department, and can include receipts or video of items taken prior to the loss to settle your claim.

Evaluate your Claim

Once all the information is received, we will review the details and determine if one or more people are responsible for the accident. Your Auto Adjuster will review your auto coverage and determine what First American Property and Casualty Group is responsible for paying. Auto accidents can be complicated, and we will need to determine any liability or negligence to determine who is responsible for the accident. Provide as much information as you can to help us evaluate your claim as quickly as possible. The following information will help your Auto Adjust evaluate your claim:

  • Contact and insurance information for vehicle owner
  • Contact information for vehicle driver, passengers, and witnesses
  • Accident location and pictures/video of scene, street names, vehicles and property damage
  • Contact information for police officer, department, and incident/report number

To make sure your Auto Adjuster is able to evaluate your claim objectively, do not discuss who is at fault, your coverage, or your limits at the scene of the accident. We are here to assist you during this time of need, and we will discuss the information for you with the appropriate representatives.

Review any Injuries in the Accident

Our greatest concern in an accident is everyone is okay. When you are involved in an accident, policyholders and non-policyholders can file a claim. A policyholder or a passenger in your vehicle can file a First-party claim. First-party claims are claims that include damage to vehicle or injury sustained by passenger in your vehicle. Non-policyholders can file a Third-party claim. Third-party claims are bodily injury or liability claims filed by other participants when you are legally responsible for an accident. We will investigate the circumstances surrounding your loss, and determine what is covered on your policy based on numerous factors, including liability and fault.

Select a licensed Repair Center

When your vehicle is damaged by an accident, theft, or vandalism and you have collision or comprehensive coverage, your Auto Adjuster will review the damage to your vehicle at a repair center selected by you. The Adjuster will work with the repair center and provide an estimate of damage for your vehicle. In most cases, you do not need to be present when damage is reviewed.

Rental Reimbursement

If rental reimbursement coverage is included in your policy, you can rent a car of your choice, and First American will coordinate and send payment for your vehicle directly to the rental company. Your Auto Adjuster will provide you with the daily/monthly coverage amount on your policy, and we will only reimburse the rental company up to your coverage limit. If you wish to choose a rental vehicle greater than your daily/monthly coverage amount, you will be responsible for additional costs.

Settle Your Claim

Once your Auto Adjuster has received all the details and information surrounding your claim, we will prepare an estimate for all damage included in your loss. We will explain all factors in your settlement including:

  • Details and facts of your claim
  • Appraisal or estimate
  • If liability or fault was involved
  • Payment you or other parties will receive
  • How your deductible is applied

Our commitment to you is to settle your claim in prompt and efficient manner, and continue to provide you with superior customer service and peace of mind throughout the claim process.

Meet Your Auto Claims Team

The First American claims team will personally handle your claim from start to finish. Our claims team includes:

Customer Service Representative

Our customer service representative will assist you with your claim and document the details of your loss, provide you with a claim number, and assign your claim to one of our auto appraisers.

Auto Adjuster

An auto adjuster will investigate all circumstances regarding an accident and bodily injury claims, receive damage and repair information, and issue a settlement if warranted.

Disclaimer

The information provided is for information purposes only. The terms, conditions, and verbiage contained in your insurance policy are legally binding and supersede information provided on this website.  The information provided on this website does not create any obligations, or rights on the part of the insured, First American Property and Casualty Insurance Group, or an agent or broker. Lastly, the examples and definitions contained are not a substitute for actual the insurance policy provided by First American Property and Casualty Insurance Group.

Insurance Fraud

Insurance Fraud occurs when someone misrepresents a material fact, knowingly distorts the truth, or lies to gain some advantage or benefit from an insurance to which they are not entitled.

Typical insurance fraud includes:

  • Inflating legitimate claims
  • Misrepresenting material facts on an insurance application
  • Submitting claims for accidents, damages, or injuries which never occurred
  • Staging accidents
  • Professionals and technicians inflating the cost of service for insurance related claims

Insurance consumers should be aware that insurance fraud costs insured billions of dollars annually. These costs are transferred to consumers and business that pay a hefty price through high premiums. Auto and homeowners insurance policies may stay high because insurance companies may pass the cost of insurance fraud to policyholder.

Help Us Help You

Consumers can help us reduce cost by reporting any suspicious claims, accidents, or insurance transactions. When presented with a suspicious situation, ask plenty of questions, review the details collected, and contact the authorities.

Help First American Property and Casualty insurance group keep your premium low by reporting Insurance Fraud.

Disclaimer

The information provided is for information purposes only. The terms, conditions, and verbiage contained in your insurance policy are legally binding and supersede information provided on this website. The information provided on this website does not create any obligations, or rights on the part of the insured, First American Property and Casualty Insurance Group, or an agent or broker. Lastly, the examples and definition contained are not a substitute for actual the insurance policy provided by First American Property and Casualty Insurance Group.