Filing a Home Insurance Claim

Filing a Home Insurance Claim

What’s the process for filing a home insurance claim?

Filing a Home Insurance ClaimImmediately following a loss, contact your agent or call claim service team. You should also:

  • Take pictures of all damage and complete temporary repairs to your property immediately—for example, patching walls or roofs, or covering shattered windows with plywood and/or heavy-duty plastic.
  • Save invoices and receipts associated with any emergency repairs to give to your claim adjuster.
  • File a report with the police department and keep a copy for your adjuster if you’ve been robbed, making sure to include a detailed list of the items stolen or damaged.
  • Make a room-by-room, written assessment of all damaged property, including original costs, descriptions, and approximate ages of all items.

Once you’ve reported your claim, a claim specialist will usually contact you within 24 hours. The claim specialist will review your claim, help organize emergency services and temporary repairs, and set a date for inspecting the damages.

I have Replacement Cost (RC) coverage. How will you pay my claim?

In the event of a covered loss, you will first receive actual cash value for the damage to your property. When you replace the item or complete the specified repairs, you will then be paid the difference between the replacement cost and the actual cash value amount previously paid. The total amount you’re reimbursed is subject to the terms and conditions of your particular policy, including your limits and deductibles.

Whose name will appear on the settlement check?

You’ll receive a settlement check as soon as  your coverage and been confirmed, investigation and comprehensive damage estimate are completed. If necessary, you’ll receive other authorized supplemental checks once proper re-inspections are performed or when your claim adjuster prepares a supplemental estimate. It may be required by policy language and state laws to include any mortgagees/ lien holders on your settlement check(s). If a mortgagee/lien holder’s name appears on your settlement check(s), they must sign off on the check before you can be cash it. You should contact them directly to determine the process for cashing settlement checks.

Metlife Homeowners Insurance

I need to learn more about MetLife homeowners insurance.

Metlife Homeowners InsuranceHow can I lower my MetLife homeowners insurance premiums?

There are a few ways you can save on your MetLife homeowners insurance with MetLife Auto & Home®.

  • Bundle your auto and home insurance. Consider purchasing a Metlife homeowners insurance policy with an auto policy from MetLife Auto & Home—it could save you up to 10%.
  • Consider choosing a higher deductible. The higher your deductible, the lower your premium. But in the case of a loss, always make sure that you’re financially able to pay your deductible.
  • Your premiums will be lower if your home has fire prevention systems, such as fire alarms, smoke detectors, automatic sprinkler systems, and fire extinguishers. Theft prevention systems, like deadbolt locks and central burglar alarms, may also qualify you for discounts.
I’ve never had an insurance claim. Shouldn’t my home insurance costs be going down?

Your insurance costs can still rise over time, even if you’ve never had a claim.  However, it’s probably rising slower than for people who submit claims.  Premiums are based on a variety of factors in addition to loss history, including:

  • Your home’s type of construction and age.
  • When it’s time to replace or rebuild your home, both the cost of materials and regional labor costs are taken into consideration for this.
  • Where you live can affect your rates. Is there a high risk of wildfires? Hurricanes? Is your home in a high crime area? Insurance companies monitor weather patterns, how quickly a fire department can get to a home, how close the nearest hydrant is to a property, as well as loss statistics in your area, among other factors which bear on past and prospective expenses and loss experience.
  • Fraud. Sadly, fraud and increased lawsuits contribute to rising insurance costs.

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Metlife Home Insurance

MetLife Home Insurance

Metlife Home InsuranceMetLife home insurance offers a variety of homeowners insurance options to ensure protection to policyholders’ homes and their belongings inside. These coverages include Coverage for the Contents of the Home, Property Damage Protection,  Court Fees and Liability Coverage. MetLife also offers superior 24/7 claims services to best fit their customers’ needs. And when you bundle home and auto, you can save even more.

  • Excellent customer service: 24/7 claims and flexible payment plans.
  • Customizable coverage offers peace of mind in the event of hail, tornados, fire, theft, vandalism, and more. You can even replace the contents in your home—without deduction for depreciation—if you ever experience a loss.
  • Additional features available that will pay you the full cost to rebuild your home if necessary, even if it’s more than the amount for which your home was insured.
  • Liability coverage ensures that if you’re sued from a mishap on your property, your legal fees are covered.
  • Identity Protection Services are included with every policy.

About MetLife Insurance Company

The origins of MetLife (Metropolitan Life Insurance Company) go back to 1863.  Metlife Home Insurance was formed when a group of New York City businessmen raised $100,000 to found the National Union Life and Limb Insurance Company. The new company insured Civil War sailors and soldiers against disabilities due to accidents, wartime wounds, and sickness. In 1868, the company decided to focus on the life insurance business. A new company was chartered to sell “ordinary” insurance to the middle class.

On March 25, 1868, the first policy by Metropolitan Life Insurance Company was issued. Dr. James R. Dow, a retired physician from Brooklyn, NY, was named Metropolitan Life’s first president. He held this position until 1871. The company’s office consisted of two and a half rooms and was located on Broadway in lower Manhattan. By the close of business in 1868, the company had issued 1,477 policies for $4,340,000.

Metlife Home Insurance ranks in the Top 5 homeowners insurance companies in the US.

  • Overall score: 82.8 (4 stars)
  • Customers who recommend this carrier: 78%
  • Customers who plan to renew: 90%
  • Claims processing stars: 3.5
  • Customer service stars: 4.5
  • Financial strength ratings: A+

Contact information

MetLife Home Insurance
2521 Rutland Dr #150 (corner of Burnet Rd & Rutland)
Austin, TX 78758
Telephone: (512)339-2901