Claims Process

Peace of mind. Ease of use.

Coverage from Lighthouse Excalibur means that you can worry less about what may come and enjoy more of what is already there...your beautiful home. Should the unexpected happen and you need to file a claim, trust that we'll be there to help you get back on your feet.

Step by Step Instructions

Step One

No matter how big or small your claim, your first priority should be to make sure everyone is safe. You and your family are what matter most. Then, contact us as soon as possible. Our claim line is available 24/7/365 and we respond to your needs quickly, accurately and professionally. On your initial call, we will get your contact information and we will assign your insurance claim a number. Write it down and save it for reference. Call 855-500-8247 at any point, even after your claim has been paid, to speak with a specialist.

Step Two

Your insurance claim will be assigned to a field adjuster who will contact you to schedule a property inspection. In the meantime, take pictures and start a list of all your damaged items being as detailed as possible. The more documentation of your damage you can provide, the more efficiently we can settle your claim.

Step Three

Take all reasonable measures to protect your home from further damage. Don’t wait for an adjuster to inspect your home. If the damage is covered under your policy, we will include the cost to protect your property in our total calculation. So save all your receipts if you must perform temporary repairs or find temporary living arrangements.

Step Four

Provide all receipts, photos and the detailed list of damaged items to your field adjuster when you meet on-site. When the adjuster inspects your property, he/she will also take pictures, survey the damage and may take your statement in order to determine what needs to be repaired or replaced. The field adjuster will then prepare a report estimating covered damages, including to your home, personal property, and unattached structures.

Step Five

The report will be submitted to an insurance claims examiner for review. The examiner will also review the specific terms and conditions of your policy. The examiner or adjuster may contact you for additional information, or we may need to consult with independent experts (engineers, architects, etc.) to fully assess the value of your claim.

Step Six

If the examiner determines your damage is covered, payment will be released to you. If we determine any part of your damage is not covered, we will inform you of our decision and of the applicable policy terms and conditions upon which we are basing our decision.

Step Seven

If more damages are found during the repair process, which were not identified during the field adjuster’s inspection, call the examiner immediately. He/she may need to schedule a follow-up inspection to determine if a supplemental estimate is needed.

*Note: Call center representatives and field adjusters do not have the authority to discuss coverage or settle claims.