To help make filing a claim easier, please have the following information on hand:
Wondering how our claims services work? Whether you're reporting a fender bender, a home fire, a dog bite, an employee injury, or need roadside assistance, our claims department follows the same five-step process for every claim:
Once you file a claim (please scroll up for information on how to file), it’s assigned to a claims professional. Depending on the complexity of your claim, you may work with a team of experienced claims representatives.
A claims adjuster contacts you to get information surrounding your loss, talks to you about your coverage, explains how your claim will be handled, identifies ways to protect your property from further damage (for example: putting a tarp over a damaged roof or plastic sheeting on a broken car window), and schedules an in-person appointment if one is needed.
Your claims professional evaluates your claim by gathering facts, inspecting and documenting damage, interviewing witnesses or others involved, and viewing photos or videos. After reviewing all of this, your claims adjuster will determine whether the loss is covered and for how much.
We'll work with you to resolve your claim fairly by either paying what you're owed or explaining why there’s no payment on your claim.
Once your claim is resolved under the terms of your policy, the claim will then be closed. If you discover additional expenses, give us a call and we will re-open your claim to investigate.
Please Note: Every claim is different, and some are more complex than others. Some may be opened and closed quickly while others may take weeks or even months to resolve. Our claims professionals will do whatever it takes to assess your claim fairly and help you get back where you belong.
For fire or water damage, consider ServiceMaster Restore®. This industry leader in restoration procedures and technology is on call 24/7, 365 days a year. They offer restoration services for fire, smoke and water damage (with certification in Applied Structural Drying).
The Foremost® Claims Department is an award-winning team1 of insurance professionals who are there when you need them 24 hours a day, seven days a week. Our Claims Adjusters and Catastrophe Response Team members go through extensive training where they learn the importance of soft skills (such as active listening and critical thinking), and get hands-on practice in our Claims Learning Labs and virtual reality set ups.
Our pledge is to deliver A Better Insurance Experience®, and we do that by making compassionate customer care our top priority.
Between fires, tornadoes, freeze events and hurricanes in 2023, the Foremost Claims Teams handled over 60,000 catastrophe claims.
Our Claims Learning Labs are equipped with the actual products we insure for hands-on Claims Representative training!
Our Mobile Claims Centers (MCCs) include four large response vehicles and four Customer Care trailers.
Our Catastrophe Response Team members remain proactive and prepared so they’re ready to deploy after a natural disaster.
Foremost employs over 2,400 trained claims professionals throughout the U.S.
Studies have shown that insurance fraud costs the insurance industry billions of dollars every year2 and it's not a victimless crime. Everyone is directly affected by paying higher policy premiums for their insurance.
To help address this issue, Foremost has a dedicated Special Investigations Unit. If you are aware of suspected Insurance Fraud, you can report it to us at any time of day by calling 888-662-6616 (you don't have to identify yourself).
1https://bit.ly/3a7JZ53. Claims stats and other data from 2023.
2https://bit.ly/2Sp46qq
Not all products, coverages and discounts are available in all areas and may vary. Restrictions, exclusions, limits, and conditions apply. The information provided on or through this website does not alter the coverages in any policy you purchase. Please read the policy documents to check the coverages that you've selected.
Flood insurance policies offered by Foremost are underwritten by the National Flood Insurance Program (NFIP), a component of the Federal Emergency Management Agency (FEMA). Contact a Foremost representative for details.
Oregon Customers: Foremost does not offer discounts related to wildfire risk mitigation.
For the programs listed below, advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by the following entities, which are a part of the Farmers Insurance Group of Companies®:
Each insurer has sole financial responsibility for its own insurance. List of all insurers and states where licensed can be found at foremost.com/companies.
