FAQ’s – Claims
Click HERE to read information on homeowner insurance deductibles resulting from Hurricane Isaac, published by The Time-Picayune.
Below are some of the most commonly asked questions. Please don’t hesitate to call or email us if you have more questions regarding your claim. Click here for our contact information.
1. What do I do if I have a claim?
2. When can I expect an adjuster to inspect my damage after I report my claim?
3. What if I am not satisfied with my settlement amount?
4. What do I do if I have an emergency water loss?
5. What do I do if I have a fire loss?
6. What if my contractor does not agree with Lighthouse’s estimate?
1. What do I do if I have a claim?
- Report your claim by calling our 24-hour claims line at 1-877-852-0606.
- If you have a camera available, take photos of any damaged area.
2. When can I expect an adjuster to inspect my damage after I report my claim?
- An adjuster in your area will be assigned immediately after your claim is reported.
- The adjuster will contact you within 24 hours, and should be out to inspect your property within 72 hours, of reporting your claim.
3. What if I am not satisfied with my settlement amount?
- Contact your adjuster so that he can work with you to resolve any issues.
- If necessary, we will re-inspect your property.
4. What do I do if I have an emergency water loss?
- Be careful, water on floor can be very slippery!
- If you can, move any personal items away from the affected area.
- If you feel it is necessary, contact a water extraction company. Many water extraction companies offer 24-hour emergency service.
- Call and report your claim as soon as possible.
5. What do I do if I have a fire loss?
- Safety is your first priority – contact the authorities/fire department immediately.
- Report your claim as soon as possible.
- If you need emergency housing or funds, notify your adjuster so he can secure it for you.
- Keep receipts for any expenses or funds used.
6. What if my contractor does not agree with Lighthouse’s estimate?
- Have your contractor contact our office and we will review any differences with your contractor. If necessary, we will perform a re-inspection to resolve any differences.