Reporting your Homeowner Claim

This step is the process whereby you notify a Commerce Claim Service Center Representative or your independent insurance agent will gather the full detailed information necessary to process your claim.

You can report a claim to us anytime 24 hours a day - 365 days a year

Reporting a Homeowner claim takes approximately 5 to 10 minutes.

Emergency/Temporary Repairs

Sometimes a claim involving your property requires immediate attention, for example temporarily boarding up of a hole in the roof, emergency clean-up or temporary lodging arrangements if your home is not able to be lived in. We have staff members available to coordinate the arrangements to address your emergency situation rapidly.

Catastrophe Situations

If the area your property is in is devastated by a catastrophe such as a hurricane, flood or windstorm, Commerce Insurance Company will activate its Catastrophe Response Team. Commerce Insurance Company, in conjunction with your independent insurance agent, has a Catastrophe Response Plan which will allow us to respond immediately to such a catastrophe in your city or town.

Our Catastrophe Response Plan will allow us to make the area in which a natural disaster occurs our first priority! We will focus our attention on the devastated area for as long as it takes to help our policyholders recover from the disaster. In the event of a large scale catastrophe or natural disaster, please report your claim to Commerce Insurance Company's Claim Service Center.

All claims that are related to the Catastrophe will be given top priority. For more information relative to Catastrophe Situations, please refer to the Catastrophe FAQs in the Claims Service box on the left side of this page.