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.

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.