Claims processing made easy.
It can be overwhelming when you experience damage to your property and have to file a claim. That’s why we are here to make the claims process as easy as possible, providing you with the information you need to feel prepared — from the initial claim to the final payment.

Start a claim online, through our mobile app or contact us at

Managing Your Property Claim

If you have experienced damage to your home or have been a victim of theft, you will need to file a property claim. As with any claim, it is important to act quickly and gather the necessary information in order to expedite the process and ensure the claim is resolved quickly.

Follow these steps when filing a property claim through your homeowners insurance:

You can report a claim directly to Ohio Mutual by submitting a claim online, through our mobile app or by calling 888-895-7725. You can also report a claim to your independent agent.

When filing a claim, let us know the best time and method to contact you (phone call, text or email).

In the event of a crime, ask for a copy of the police report or note the report number so that your claim representative can quickly obtain a copy of the report.

It is best to gather these photos or make a list of missing items while your memory is fresh. If you have receipts or previous photos of items that are missing or damaged, these may also assist the claim representative and can help substantiate your losses.

This would entail any measures you can take to prevent additional damage, such as placing a tarp over a hole in your roof or boarding up a broken window. If you purchase items for this purpose, keep receipts so they can be reviewed as part of your claim.

Managing Your Auto Claim

Auto accidents can be tricky. You may not know exactly who is at fault or the full extent of the damage that may have occurred. That’s why it is important to follow these steps in the event of an auto claim.

Report the claim immediately, even if you believe you are not at fault. 


Make sure to gather the name, phone number, insurance company name, and policy number of the other party and contact information for witnesses. Having this information early on can help speed up the process.

Obtaining police reports is often a source of delay when processing an auto claim. Note which police department responds to the accident scene and ask for the report number so your claim representative can obtain a copy.

Avoid discussions of insurance policy coverage, limits and fault. 

If you can do so safely, take photos or even cellphone video at the accident scene. Include any damaged areas and license plates of all involved vehicles. 

What to Expect After Submitting a Claim

Once your claim has been filed, your dedicated claim representative will review your submission and policy details. Within one business day, your claim representative will then reach out to you to go over the details of your loss and explain your policy coverage. Your claim representative’s contact information will also be uploaded to your 360access® customer portal for future reference. 

Please note that submitting a claim does not guarantee coverage.  Your claim representative may need to gather additional information regarding the claim and fully review your policy before they can determine coverage of the loss.

The claims process may also include additional steps, such as: 

An inspection.
If your claim includes structural damage to your property, your claim representative may set up an on-site appointment to review and estimate the damages.
A damages list.
If you have items that were stolen or damaged, your claim representative will walk you through creating a damages list, including a description of each item, its age and other relevant details. Be sure to also keep any damaged property for inspection purposes.
Proof of ownership.
If you have any proof of ownership, such as pictures, receipts or owner’s manuals, your claim representative will walk through including these in your claim.
The estimate for your auto repair.
If you have an auto claim, your claim representative may request a copy of the estimate from the auto repair shop of your choice, or depending on the state you live in, may send an appraiser to your vehicle in order to estimate the damage.
Photos of your vehicle damage.
If a claim qualifies for this process, your claim representative may send you a link to upload photos of the damage to your vehicle. We will then write an estimate and send it to you electronically, which can be taken to the repair shop of your choice.

Receiving Payment for Your Claim

If your policy covers the loss, your claim representative will review all payment options available to you and you can choose the method that is most convenient. This could be a mailed check or payment through an electronic funds transfer.

Please note that if you have a mortgage, your loss payment may include the mortgage company as an additional payee. Please contact your mortgage company for specific details regarding endorsing the loss payment.

Property Claim FAQs

A deductible is the portion of the loss you will pay out of pocket. This amount is subtracted from any payment made by the insurance carrier for loss.

When it is safe to do so, you should take photos of the damage and cover any broken windows, doors, or skylights with plywood or tarps to prevent further damage.

The first thing you should do is stop the source of water and remove wet items to prevent further damage. Also remove and secure any valuable items. Then, make a detailed inventory of damaged contents and take photos of the damage.

Your homeowners insurance policy is not the same as flood insurance. Flood insurance is offered by the National Flood Insurance Program to pay losses from floods associated with heavy rains, hurricanes, tropical storms and other severe weather situations.

Property Repair FAQs

It is the homeowner’s responsibility to select a contractor for repairs.

It is up to your discretion when choosing a contractor or company to provide an estimate or do the repairs to your property. We recommend selecting an established, licensed or bonded contractor (note that not all jurisdictions require licensing). You may also ask for references as well as certificates of insurance.

For water damage, we recommend selecting a professional IICRC (Institute of Inspection, Cleaning and Restoration Certification) certified company, such as SERVPRO or ServiceMaster. Water damage in particular may be hidden under carpets, behind walls or in unseen areas, which is why it is important to have a professional assess and respond to the damage. 

Your claim representative will let you know when you can begin repairs on your home. It is important to wait to make any permanent repairs until you have approval from your claim representative.

Auto Claim FAQs

A deductible is the portion of the loss you will pay out of pocket. This amount is subtracted from any payment made by the insurance carrier for your vehicle.

This covers damage to your vehicle resulting from a collision with another vehicle or object.

This covers damage to your vehicle not caused by collision. This would include damage sustained because of hail, a fire, vehicle theft, etc.

This coverage pays for a rental vehicle if your vehicle is out of service due to a loss covered by your policy. If you are unsure about whether you’re covered for a rental vehicle, you can check the Declarations Page of your policy or ask your agent.

We will work with the auto repair shop of your choice. We recommend selecting a certified repair shop and seeking references or reviews before making a final decision. Your independent agent may also have recommendations for a repair shop in your area, but the final decision is yours.

A preliminary estimate is written to show all damage visible without taking the vehicle apart. If additional loss-related damage is found during the repair process, we will request additional photos and a supplemental estimate from the repair shop. It is not uncommon to find additional damage.

If your vehicle is deemed a total loss, we will request photos and other information on your vehicle to determine the Actual Cash Value (ACV). ACV is the market value of the vehicle, considering factors such as mileage, options, age, prior damage and refurbishments. It is important to keep in mind that the ACV is not based on how much you paid for the vehicle or may still owe on an auto loan. 

After a value is obtained, your claim representative will reach out to you to go over the vehicle value and next steps.

Disclaimer: This site contains a general description of claims and coverage and is not intended to be a statement of contract. All claims are subject to applicable policy limits, provisions and endorsements.