Auto-Owners Insurance property claims: documentation the desk adjuster can approve

How claims are filed

• Call the local independent Auto-Owners agent to report the claim; if the agent is unavailable or it is after hours, call 1-888-252-4626. [source]
• Property losses: contact the agent as soon as possible; outside normal business hours, an after-hours claim reporting phone service for claim emergencies is available at 1-888-252-4626. [source]

Claims phone: 1-888-252-4626 (after-hours claim reporting line; Auto-Owners directs policyholders to call their local independent agent first) [source]

Auto-Owners Insurance's home claims page

Tracking and sending documents

With an online access account (website or Auto-Owners mobile app), select view open claims on the policy card to see claim status; the assigned claim representative's name is listed under the claim number in the Open Claims view. Without an account, contact the agent. [source]

Take photos or videos of the damage. For personal property, create an inventory of damaged or destroyed items by room and submit it as soon as possible, keep all receipts and invoices for repairs or replacement, and provide ownership and value documentation (manuals, receipts, invoices, photos) for higher-value items. [source]

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

Additional damage and supplements

Auto-Owners 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.

Property claim steps: take precautions to protect the property from further damage; for theft, the policy requires calling the police and filing a report; take photos or videos of the damage. [source]

Keep damaged personal property separated until the claim representative says it may be discarded; the claim representative may inspect items to verify ownership and determine value from make, model and pre-loss condition. [source]

Recoverable depreciation on personal property: the initial payment is based on actual cash value; after items are repaired or replaced, Auto-Owners reimburses the difference up to the policy's limit on submission of a final itemized receipt or invoice showing the amount paid for each item, numbered to match the inventory. [source]

Claim payment options: direct deposit to a checking or savings account, Venmo, PayPal, or the Auto-Owners Claim Card, usable wherever Visa debit cards are accepted. [source]

Catastrophe response: catastrophe teams located around the country, Mobile Response Vehicles and storm teams positioned across its operating states; a weather-mapping system is used to launch adjusters to areas likely to sustain a loss. [source]

After a claim is filed, a claim representative is assigned and contacts the parties involved to begin the investigation, which includes reviewing coverages and assessing damages; payments are based on the outcome of that investigation. [source]

Flood claims: if the independent agent is unavailable, the claim can be submitted online at auto-owners.managemyfloodpolicy.com or by phone at 1-800-233-1131. [source]