Reporting a Claim to Foremost

If you need to report a claim, call our toll-free number: 1-800-752-2461. For your convenience, our Claim Line is open 24 hours a day, seven days a week, including holidays. You can also report a claim online now! Click here.

When to Report a Claim

You should report a claim whenever your property or personal belongings are accidentally damaged. It's a good idea to call us to find out if the damage is covered by your policy.

Information We Need to Process a Claim

Please have your policy number ready. This will help us serve you more quickly and efficiently. If you cannot find your policy number, we will search our computer for your records, which may take a little longer.

Our Foremost claim representative will first ask for your policy number. He or she will then verify your address, phone number and the physical location of your damaged property. If you are reporting an accident on your property, the representative will ask you where the accident occurred and who was hurt. The claim representative may also ask:

When to Expect to Hear from Us

Our goal is to give you fast, reliable claim service. We have hundreds of claim representatives throughout the country ready to serve you. Usually, a claim adjuster will contact you in about 24 hours after you report a claim. It may take a bit longer to reach you after a major catastrophe because so many people need help in those situations.

To Find Out if Your Loss is Covered

Your policy booklet describes your coverage, as well as your policy limits, deductibles and type of settlement. But the fastest way to find out if your loss is covered is to call our toll-free number at 1-800-752-2461 and choose the claims option. A claim representative will be happy to answer your questions.

How We Deal with Major Catastrophes

Foremost responds proactively to major threats and catastrophes. For instance, we track hurricanes even before they hit land so we know what areas will need the most help. If major damage occurs, we set up a storm office in the area and bring in a complete team of field adjusters to help our customers recover quickly.

After a major storm or catastrophe hits, we begin our claim service by helping those customers with the worst damage -- homes that are either completely destroyed or not in livable condition. Then we help people who can still live in their homes. It's a basic rule of claim processing to give our first attention to those who need help most.

When the Damage Forces You From Your Home

If you are forced from your home by damage from a covered peril, please give us a phone number and address where you can be reached, such as a friend's house or the hotel where you may be staying. This will help us serve you more quickly and efficiently. Your AARP Mobile Home Insurance Policy includes coverage for additional living expenses if you are unable to live in your home because of damage from an insured peril. See your policy booklet for more details.

Temporary Measures or Repairs to Make After Damage Occurs

The immediate action or temporary repairs you make after damage occurs will depend on the type of damage. For instance, if thieves or vandals attack your home, report it to the police as soon as possible. If your home has been damaged in a storm, try to prevent additional damage and safeguard your home until professional repairs begin.

For example, if your roof has developed a leak from a fallen branch, you could remove the branch and cover your roof with a tarp. Keep a list of your temporary repairs and get receipts for any repair items you buy. Your personal safety comes first, of course. Stay away from electrical hazards and other threats - leave those to the professionals.

One more important point -- Do not remove damaged items or structures from your property until a Foremost claim adjuster can assess the damage.

When to Expect Your Claim Settlement

Depending on the severity and amount of the damage, we will assign either an adjuster in our office or a field adjuster who works in your area, to handle your claim. In most cases, an adjuster in our office can settle your claim over the telephone. Field adjusters, on the other hand, will visit your home to look at more serious damage, and then take the appropriate action.

If an adjuster in our office handles your claim over the phone, we will send you a check directly from the Foremost headquarters once a settlement is determined. If a field adjuster handles your claim, you may receive a check right on the spot, depending on the circumstances.

If you have any questions about your claim settlement, please discuss them with your claim adjuster or call our toll-free number: 1-800-752-2461 and choose the claims option.