Erie Insurance property claims: documentation the desk adjuster can approve

How claims are filed

• Contact your local ERIE agent to start the home claim [source]
• Call Erie Insurance at (800) 367-3743 [source]
• By phone, (800) 367-3743, option 4 starts a new claim for the first time; option 5 reaches a representative about a previously reported claim [source]

Claims phone: (800) 367-3743 (option 4 to start a new claim; option 5 to speak with a representative about a previously reported claim) [source]

Erie Insurance's home claims page

Tracking and sending documents

The ERIE online account and mobile app show, when applicable, the status of the claim, rental company and repair shop information, payment status including a history of payments made to the policyholder, and contact information for the claims representatives handling the claim. [source]

Erie asks the policyholder to make a list and take pictures or video of what is damaged, room by room, noting brand name, manufacturer, serial number and approximate price paid, and offers its home inventory form for documenting the details; the claims handler or property adjuster reviews the details after the claim is filed. [source]

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

ERIE Property Repair Program (Contractor Connection)

Erie describes a no-cost program, offered in partnership with Contractor Connection, that helps home-claim customers locate qualified local contractors; it says each of the more than 4,000 network contractors undergoes a rigorous, ongoing credentialing process, their work is guaranteed for three years, and the claims adjuster can help the customer tap into the network. Erie also says customers always have a choice of who repairs the damage and recommends a contractor they know and trust. [source]

Network membership is Erie 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

If additional damage is found after the claim is settled, Erie says to call the ERIE claims adjuster immediately; Erie may need to re-inspect the damage before repairs are complete and decides whether the additional damage belongs to the original claim, in which case it reopens the claim and works with the policyholder and their contractor to resolve it. Erie says it can agree on the price and scope of repairs but cannot authorize anyone to perform work on the property. [source]

An ERIE adjuster is assigned to the claim and works with the policyholder to estimate the damages; if the claim requires a field inspection, Erie sends either an ERIE adjuster or an independent adjuster to the home to take photos and assess the damage. [source]

The policyholder completes an inventory sheet listing all missing or damaged property, room by room, with complete descriptions including brand names, model numbers, age, purchase price and place of purchase. Items may need to be retained for inspection, so nothing should be thrown away before speaking with the ERIE adjuster. [source]

Erie asks the policyholder to protect the home from additional damage (for example boarding up broken windows, placing buckets under leaks or hanging plastic over damaged areas) but not to make permanent repairs or throw anything away until the ERIE adjuster has seen the damage. [source]

The policyholder chooses their own repair contractor: because the policyholder must authorize any contractor to perform repairs, Erie can agree on the price and scope of repairs but cannot authorize anyone to perform work on the property. [source]

Erie defines ACV (actual cash value) as the cost to repair or replace a damaged item with one of like kind and quality at today's cost, less depreciation, and depreciation as a deduction for the decrease in value due to wear and tear or age. [source]

Because the lender has a financial interest in the property, Erie says the insurance company is obligated to include the mortgage company on the claim check (see the policy's Mortgage Clause). [source]

If help is needed removing water from the building, Erie can provide options for emergency service contractors to protect the home from further damage; receipts for emergency expenses should be kept. [source]