Skip to main content
Suggested Searches
Quick Links

We make the claims process less of a process.

Dealing with a loss to your property can take its toll. The last thing you want is a long, drawn-out process to file and resolve claims. Fortunately, you don't have to with Chubb. Our dedicated and experienced team will work tirelessly to make sure your claim goes from submitted to resolved as quickly and efficiently as possible.


Safety First

In the event of loss or damage to your property, you should report the claim immediately. But first, it's important to take steps to protect your property from additional damage. Below are tips to help you. Keep in mind, for a covered loss, your policy may provide reimbursement of reasonable expenses incurred for temporary repairs that protect your property from further damage.

Ways to Mitigate Damage:

  • Shut off the water after a plumbing leak
    Click here for tips on protecting your home from water damage before a leak occurs
  • Secure your home after a burglary
  • Call the police after a theft
  • Call the fire department
  • Move or protect property to prevent further damage

Check your Chubb policy for additional details and requirements. Contact your claim adjuster or Chubb agent once you file your claim.


Get Started: Filing Your Claim

The first step to recovering your loss is to file a claim. We make it easy with three convenient reporting options, 24 hours a day, 7 days a week.

  1. By phone – Call 1-800-CLAIMS-O (1800-252-4670), please take precautions and then call when you are safe.

  2. Online – Click here to log in to the Personal Risk Services Client Portal to file your claim.

  3. Contact your local agent – Contact your local Chubb agent to submit a claim on your behalf.


What's Next? Information Gathering

Once you submit a claim, you will be assigned a dedicated Claim Representative who will make every reasonable effort to contact you within six hours. We understand that no two properties or personal items are alike, so be sure to provide as many details as you can. The more information we have about your loss, the better able we will be to adjust your claim. Although we manage thousands of claims every year, we treat each client the way we would want to be treated, with the same individualized care and attention.

Assessing the Damage: The Estimate

You may be asked to obtain a repair estimate from a local contractor. If an onsite inspection is needed, we will work with you to coordinate a time that is convenient for all. If you need assistance getting a repair estimate, we can help arrange for one of Chubb’s preferred contractor resources to provide one for you. While there are many benefits to Chubb’s preferred vendor network, the freedom to use whomever you like for repair estimates and restoration is yours. Whether you engage your preferred contractor or one of ours, we will review your estimate and come to an agreed price with the contractor. If at any time you have concerns about your estimate, we’ll work with your contractor to ensure you are fairly compensated for your covered damages. Additionally, if there are any changes to the initial scope of covered work or contractor costs - again, we'll treat you fairly.

Our Chubb Trusted Service Network: Starting Your Repairs

If you have covered water or fire damage to your property, we can arrange for one of our trusted service providers to immediately respond to help minimize damages and prepare your premises before any repairs begin. Once any immediate or ongoing damage is under control, it's time to begin the repair process. Depending on what you're more comfortable with, you may use your own contractor or find one from our trusted network. The choice is always yours. If you're not sure which way to go, we have highlighted some of the benefits of using our Chubb Trusted Service Network below:

Response Within 1 Hour

When clients experience a loss, minutes can seem like hours. Even during catastrophic events, these are the target response times for our clients:

  • Urgent situations: response time 1 hour or less, onsite within 4 hours
  • Non-urgent siutations: response time 4 hours or less, onsite within 48 hours (or at the client’s convenience)


3 Year Guarantee

The professional service providers within the Chubb Trusted Service Network provide a 3-year guarantee on all of their repair work, compared to the industry average of one year. In addition, clients have added peace of mind knowing they are backed by a larger organization.


Local Knowledge, Broad Reach

Because of Chubb’s far-reaching presence, we are able to maintain a network of professional service providers across the country—making the claim process as seamless as possible for our clients. So no matter where a client is located, trusted and recommended service providers are available who share in the commitment to delivering on the Chubb promise.


Trusted Professionals Selected by Chubb

Providing the option of qualified service providers for each and every client is our goal. Each provider within the Chubb Trusted Service Network is evaluated to ensure that they deliver the highest levels of quality and professionalism. Only those who maintain these rigorous requirements will remain part of this select group.


Housing Options within Minutes

If clients need alternative living arrangements while repairs are being made, we provide them with short-term housing options within minutes and, if necessary, long-term housing options within a day or two, through the Chubb Trusted Service Network. If available, we help our clients select the kind of housing that is most suitable for them—whether a client needs a similar type of home in their child’s school district or close to a train station.

For more information on our Chubb Trusted Service Network including the types of services offered, please click here.

A Return to Normalcy: Settlement and Resolution

Life doesn't slow down for anything. And when you're a Chubb policyholder, it doesn't have to. If it's determined that the covered damage to your property makes it uninhabitable or you have extensive damage to your belongings resulting from your covered loss, we can provide payment in advance to cover temporary living expenses, clothing and other immediate needs.

The time it takes us to guide you through a claim depends upon a number of factors, including how quickly we receive documentation, whether an inspection is needed to fully assess damages or if additional investigation is required.

In every instance, our goal is to keep you apprised along the way and to provide you with prompt, efficient and skilled claims service. If a claim is covered and resolved, we make every effort to issue your claim payment within 48 hours. After all, we know we're not just restoring properties and possessions, we're restoring people's lives.