Report your claim

• Call the police department to report a theft as soon as possible.
• Call us here at Meemic. Our home claims professionals are available to help you seven days a week, 24 hours a day. Call us toll free at 800-231-5770.
• You can also submit your home insurance claim online if you do not require an immediate response. A home claims representative will contact you within one business day to discuss your claim report.

2. Damage assessment

• Take necessary steps to protect your property from further damage.
• Make any reasonable repairs necessary to protect the damaged property. Keep an accurate record of any repair expenses.
• Don’t dispose of any damaged property.
• Prepare an inventory of damaged and/or stolen property, providing a description of the item, quantity, age, original cost and current replacement cost. Attach all bills, receipts and related documents that substantiate the figures in the inventory.
• If possible, obtain estimates from local contractors for any structural damage.

3. How we settle the loss

• Structure-related damages are paid based on replacement cost (the cost of a new replacement of similar quality). If the loss for structure-related damages exceeds $5,000, you’ll be paid based on an Actual Cash Value basis (the cost of replacement, taking into account condition and age) until the structure is repaired or replaced. Once repairs or replacements are made, you’re entitled to full replacement cost. Structures that are not building-type structures, such as fences, are paid based on Actual Cash Value.
• Personal property losses are paid based on replacement cost value. If the loss for personal property exceeds $500, you’ll be paid based on an Actual Cash Value basis until the stolen or damaged items are repaired or replaced. Once repairs or replacements are made, you’re entitled to full replacement cost.

• All home insurance claim submissions are subject to verification of coverage. Only your policy indicates the coverage afforded to you in the case of a loss. Other terms, conditions, limitations and exclusions may apply.

• Every situation is different, and there are many factors we take into account to determine if or how your claim will affect your policy or premium. For a home-related incident, some items that may impact if or how your claim may affect your policy or premium include:
  
  
  • Type of loss
  • Payment amount of your claim
  • Number of past claims you’ve had
  • Number of years you’ve been insured with Meemic
• The amount of any premium adjustment, if any, will vary. If an adjustment is warranted, it will impact your next policy renewal. Contact your local Meemic agent with any questions.

• Report your claim
  
  
  • One of the most important steps in the claims process is to contact us when you have a loss. Our claims professionals are available to help you seven days a week, 24 hours a day. Call us toll-free at 800-231-5770.
  • You can also submit your auto insurance claim online if you do not require an immediate response. An auto claims representative will contact you within one business day to discuss your claim report.
• Damage assessment
  
  
  • Take necessary steps to protect your vehicle from further damage.
  • Depending on the cost of repairs, our Claims Adjuster may inspect your vehicle at the repair shop of your choice. The adjuster will provide the shop with a detailed estimate of repairs. If the repair shop has any questions regarding the estimate, they will be directed to contact the Claims Adjuster.
  • At your option, we can provide the names of repair shops in your area that are already pre-approved through The Educated Choice® Repair Program by Meemic.
• How we settle the loss
  
  
  • Any claim payment made will be based on the prevailing labor rates in your area.
  • If you choose your own repair shop, the adjuster will reach an agreed price with them. The payment will be sent to the repair shop. The check will be made to both you, as the policyholder, and the repair shop. This way, you can endorse the check when the repairs are completed.
  • If you choose a shop that is part of The Educated Choice® Repair Program, all checks will be sent directly to the facility when the repairs are completed.
  • If your vehicle was determined to be a total loss, your claim payment will be based on its Actual Cash Value, with adjustments based on your vehicle’s physical condition. Total loss settlements will include the name of the lienholder of the vehicle, if applicable.
  • All claim submissions are subject to verification of coverage. Only your policy indicates the coverage afforded to you in the case of a loss. Other terms, conditions, limitations and exclusions may apply.

Every situation is different and there are many factors we take into account to determine if or how your claim will affect your policy or premium. For an auto-related accident, some of these include:

• Cause of the accident
• Your overall driving record
• Whether you were at fault or not
• Payout amount of your claim
• Number of past claims you’ve had
• Number of years you’ve been insured with Meemic

The amount of any premium adjustment, if any, will vary. If an adjustment is warranted, it will impact your next policy renewal. Keep in mind that your auto premium may not be impacted by the claim if you qualify for our accident forgiveness program. Auto policyholders who have been insured with Meemic for at least five consecutive years without an accident could have their first at-fault accident forgiven. Contact your local Meemic agent.

If you have comprehensive coverage and need to make an auto glass repair claim:

• Call 888-623-2155 to report your auto glass repair claim or submit your claim online. A representative will arrange to have your auto glass repaired or replaced.
• We’re happy to suggest an auto glass repair shop for you or feel free to use an auto glass repair vendor of your choice. Either way, if your windshield is simply being repaired, your deductible will be waived. But, if your windshield needs to be replaced, you’ll be responsible for the deductible.