Claims FAQs

To help you feel more comfortable about filing a claim, we’ve provided answers to some of our customers’ more common claims-related questions.


What information do I need to report a claim?

We can start helping you more quickly if you provide us with the following information when you report a claim:

  • Your own contact information (name, phone, e-mail)
  • Name of Insured (displayed on all policy documents and invoices)
  • Policy number (displayed on all policy documents – three letters followed by nine digits)
  • Date of loss
  • Location of loss
  • Description of loss (type of property damage, description of injuries, etc.)
  • Photos or videos – if available

What happens after I report a claim?

A Millers claim representative will contact you to collect additional information about the nature of your claim and related damages.  We will assign a claim number and a professional claims adjustor to evaluate the loss, answer questions, and coordinate all other activities (estimates, repairs, litigation, etc.) related to your claim.

For minor damage, we may simply instruct you to obtain a repair estimate from a contractor of your choosing and our adjustor may authorize you to proceed with repairs based on that estimate.  For major damage, we may need to send an appraiser or engineer out to assess the situation first hand.  Either way, we’ll let you know how to proceed based on the information we collect when you report a claim.

What should I do to prevent additional damage to my property after a loss?

Protecting yourself and others should always be your first priority.  If your property has sustained serious structural damage, if you smell gas, or if you suspect exposed electricity, contact local authorities to assess safety before entering a damaged building.

If possible, you should protect your property by making reasonable temporary repairs to prevent more severe or extensive damage.  For example, you may be able to stop a water leak by shutting off the water valve, you can hang plastic over damaged windows or roofs to prevent water from entering a building, or you may be able to prevent mold by taking steps to dry out a water-damaged area of a building.  Certainly, letting a minor problem turn into a major problem by ignoring it is not advisable.  When in doubt, call your agent or Millers Mutual to ask about the temporary repairs you should make to mitigate further damage. And, of course, if you do make emergency repairs, retain copies of all receipts.

How do I know if my claim will be covered?

The best place to start is with your policy.  It spells out the details of what is covered and what is not.  Please do not hesitate to contact your agent or Millers claim representative to help you understand how your insurance policy applies to your particular situation.

What can I do to help settle my claim quickly?

  • The most important thing you can do when a loss occurs is to notify Millers immediately.  We spring into action as soon as we know a loss has occurred.  And the sooner we know about a loss, the quicker we can respond.
  • Cooperate with the claims adjustor who is assigned to handle your claim.  Remember, this individual is committed to resolving claims quickly and fairly. The more information you provide to help the adjustor do his/her job, the faster we can process your claim.
  • Take photos or video of all building or content damage before making emergency repairs.  Document the damages and – when appropriate – identify potential witnesses.
  • Provide copies of any leases, contracts, maintenance agreements, police reports, etc., to help us assess your rights and responsibilities.

Who do I call if I have a question about the status of my claim?

You can call your Millers claim representative at 1-800-745-4555 (select #2 for Claims at the voice prompt).  Of course, your agent can also assist you with questions related to the status of your claim.

What if I think my losses will be less than my deductible?  Should I still file a claim?

It’s always a good idea to file a claim when you experience a loss.  It isn’t uncommon for damages that appear minor on the surface to grow larger as additional details are discovered.  And lawsuits for liability damage can come out of left field at any time.  For example, someone who falls on your property may appear to be fine, but injuries could be discovered at a later date.  To make sure you’re covered in accordance with the terms and conditions of your policy, it’s always better to play it safe by reporting any loss or damage that could potentially turn into a claim.

How do I report a claim after hours?

Claim situations are when our customers need us most. There are situations where you may require urgent after-hours assistance. If this is the case, we urge you to contact us as soon as possible to commence the claims process.  After-hours emergency claims assistance is available by calling 717-585-2918 (primary) or 717-480-6264 (secondary).