Claims Resources

Our commitment to our policyholders remains steadfast. The safety of you and your family is our priority.
File a claim quickly and easily through the online Customer Portal or by calling 866.606.0323. We are available 24/7 to respond to your needs.
FILE OR TRACK YOUR CLAIM

Checklist for Expediting Your Claim

Ready to file a claim? Equip yourself with this checklist of helpful information and documentation before getting started.
  • check Customer portal username and password
  • check Policy number
  • check Full name, mailing address, email, and phone
  • check Date of the incident
  • check Description of how, when, and where the incident took place
  • check Receipts and other documentation of value of damaged items

What Is and Isn't Typically Covered Under a Home Insurance Claim

Water escaping from damage to the plumbing system.

Flood damage and repairs to the plumbing system.

Furniture, clothing, household goods, and furnishings.

Some items may have limited protection and need specific endorsements to increase coverage.

Damage from weather events.

Damage due to age and deterioration.

No two claims are the same. Check your policy or contact your local agent to find out what your policy covers.

Helpful Information


Tips for getting the most out of your coverage

  • Report a claim when damage is discovered.
  • Document the damage with photos, notes, and anything else that might be helpful.
  • Take inventory of any damaged property or possessions. Do not dispose of any items without prior approval from your insurance claims adjuster.
  • Keep a written record of everyone spoken to about your insurance claim, including the date and summary of each conversation.
  • Ask for references before choosing a contractor.
  • Obtain written estimates from the contractor for the work needed.
  • Hold off on permanent repairs until approval for reimbursement is received.
  • Keep all receipts.
  • Take steps to mitigate further damage.

Tips for reducing damage to your home

  • If problems arise, handle them quickly and completely.
  • Update electrical wiring, heating, plumbing and the roof at least every 15 years.
  • Maintain good housekeeping, such as removing dust, dirt and debris.
  • Seal cracks and gaps in windows and doors with caulk or weather stripping; replace if necessary.
  • Perform regular preventive maintenance on your appliances, such as your washer and dryer.
  • Replace old, drafty windows with energy-efficient models.
  • Install and maintain protective devices such as an automatic water shut-off system.

Assignment of Benefits (AOB)

Once your claim has been filed, protect yourself from fraudulent contractors and Assignment of Benefits (AOB) abuse.

What is AOB?

  • 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.

How can you protect yourself from AOB abuse?

  • Use our Contractor Network of qualified contractors. This network is available to all policyholders at no additional cost.
  • Don't sign any paperwork you don't understand.
  • Be cautious of contractors who offer to negotiate on your behalf with the insurance company, as they may not be licensed to perform these services.

For additional information on AOB and how to protect yourself, click here.

Copyright © 2022 Lighthouse Management, LLC. Website Terms of Use and Privacy Policy. Lighthouse Management, LLC is a licensed MGA representing Lighthouse Excalibur Insurance Company, an admitted property and casualty insurance company authorized to write in Louisiana. Insurance products are issued and underwritten by Lighthouse Excalibur Insurance Company. Insurance coverage is subject to underwriting review and approval. Products may not be available in all states.