How to File a Claim
01
Call Carrier
Immediately contact your insurance provider's 24/7 claims line to report the loss. The sooner they know, the faster the process starts.
02
Gather Policy Info
Have your policy number and current contact details ready. Providing accurate information ensures no delays in identifying your file.
03
Describe Loss
Provide a clear, plain-English description of what happened. Be factual about the cause—water leak, fire, or storm impact.
04
Get Claim Number
Always ask for and record your claim number. This reference is vital for all future communication with adjusters and contractors.
05
Schedule Inspection
The carrier will assign an adjuster to visit. Note the time and date of the inspection so you can prepare the property for review.
06
Call Southern Fire & Flood
Contact us immediately to begin mitigation and claim documentation. We provide the photos and logs your adjuster needs to approve repairs.
Carrier Claim Resources
Your Professional Documentation Partner
We provide the airtight proof adjusters need to process your claim efficiently. Our team meticulously compiles timestamped photos, daily moisture logs, and industry-standard estimates.
Thermal Imaging
Detecting hidden moisture behind walls and floors.
Note: We do not control coverage decisions.
Expert Estimates
Using Xactimate—the software adjusters trust most.