Claims FAQs


First, take the necessary steps to ensure your family’s safety, then notify us as quickly as possible.

After the claim is assigned to a claims examiner, they will contact you to discuss the damage, review your coverage, and explain the process. Depending on the severity of the damage, a field adjuster is assigned to inspect and prepare a report that outlines the cause and includes photographs of the damage as well as an estimate of the repairs. Following, the examiner reviews the report and contacts you to advise of the settlement amount and any damage that is not covered by the insurance policy. As a final step, you will receive a check and settlement letter. For more information on the claims process, please review our claims processing steps here.

To file a claim online, you need your policy number, a good phone number and email address so we can contact you, the date the loss occurred, and a description of the damage. For more information, view our Checklist on Expediting Your Claim here.

Your claim is assigned to a claim examiner who begins the claim process. For more information on the claims process, please review our claims processing steps here.

The person handling your claim will contact you once your claim is assigned. You can also locate your adjuster’s name and contact information via the Customer Portal, under ‘My Claims.’

Your claim number is provided at the time of claim reporting. For more information on the claims process, please review our claims processing steps here.

The status of your claim is available online via the Lighthouse Excalibur Customer Portal. Additionally, you may reach out to your claim examiner directly, who can provide you with the status of your claim.

Most payments are made by issuance of a check. However, in order to reduce the time until payment is received, digital payment options are available.

It depends. Often the premium increases after a claim, but not always.  Each policy is reviewed individually to evaluate the risk of another loss.

You are responsible for the amount of the deductible.

Contact us at 866.606.0323 and report the additional damage immediately.

You may use our Contractor Network. Additionally, ask friends, co-workers, and relatives for references. When researching, verify the contractor has experience with the type of repairs you need.

Your homeowners policy covers the cost to repair or replace your home and its contents caused by specific perils. The policy can also provide coverage for additional living expenses and damage caused by your negligence, including the cost to defend against lawsuits. For more information, contact your local agent or log onto the Lighthouse Excalibur Customer Portal to view your declaration page.

Many policies afford coverage for other structures on your property, but not all. For more information, contact your local agent or log onto the Lighthouse Excalibur Customer Portal to view your declaration page.

Your priority is to ensure the safety of your family. After your family’s safety has been addressed, report the claim and take steps to prevent additional damage. In general, you should begin to document the damaged items and locate a contractor that can complete the repairs. For more, view our tips on getting the most out of your coverage here.

A peril is the actual means by which property is damaged or destroyed.

A document that summarizes the coverages provided by your insurance policy.

AOB is an agreement or contract that transfers the rights of an insurance policy to a contractor or other entity. The policyholder no longer has control of their insurance claim or to whom the benefits are paid. For more on AOB, see here.

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