American Family Insurance property claims: documentation the desk adjuster can approve

How claims are filed

• MyAmFam app (file from a smartphone) or by logging in to My Account; have the date and time of the event, a brief description, any photos of damage to the property, and the insurance and contact information of any others involved. [source]
• Online at amfam.com, by calling 1-800-MYAMFAM (1-800-692-6326), or through an American Family Insurance agent. [source]
• For hail or wind damage, text STORM to 26326 (AMFAM) to start a claim with the Claims Team. [source]

Claims phone: 1-800-MYAMFAM (1-800-692-6326) (24-hour claims line) [source]

American Family Insurance's home claims page

Tracking and sending documents

Claim status and the adjuster's information can be checked in the MyAmFam app, in My Account, through the agent, or by calling 1-800-MYAMFAM (1-800-692-6326). [source]

American Family says the policyholder may be asked at any point to provide photos, invoices, receipts or warranties to determine the value of the loss; the MyAmFam app is described as the channel to communicate by email, phone or text. [source]

Send your estimate or supplement through the channel American Family Insurance names above, and keep the upload confirmation with the claim file.

Emergency Water Removal Program (EWRP)

American Family partners with three preferred water-mitigation vendors (Alacrity, ServiceMaster, Servpro); using one brings a two-year workmanship warranty and American Family pays the vendor directly, while the policyholder remains free to choose another contractor without the EWRP benefits. For structural repairs, the property adjuster can help find preferred contractors in the area. [source]

Network membership is American Family Insurance's decision, not ours. Our estimates and supplements are prepared for any contractor on the claim, in or out of the network.

Additional damage and supplements

American Family Insurance's public site does not describe a supplement submission process. In practice the supplement goes to the assigned claim handler through the same document channel as the claim; we write it so the handler can approve it line by line.

After a home claim is filed, a property representative contacts the policyholder to review the damage, gather information and go over how the claim will be resolved. [source]

American Family asks that the policyholder protect the home from further damage, keep damaged property for inspection, and wait for its first on-site inspection before starting to put the home back together. [source]

Payment and the amount deferred: with replacement cost coverage, full reimbursement may be paid in two or more payments. The initial payment comes from the adjuster with the estimate, for either the full cost or the actual cash value; if it is for actual cash value, an "amount deferred" is listed on the claim settlement report and can be claimed upon completion of the work. [source]

When there is a mortgage on the home, settlement checks are typically made payable to both the policyholder and the mortgage lender, and the lender's endorsement is needed. [source]

Catastrophe response: American Family describes a Catastrophe Claims Team for severe-weather damage; storm claims can be started by texting STORM to AMFAM (26326), through the MyAmFam app, or by calling the Claims Customer Care Center at 1-800-MYAMFAM. [source]