Understanding the Claims Processes

Learn about our rental property insurance claims process that ensures a fair, rapid response.

Understanding the Claims Processes

Learn about our rental property insurance claims process that ensures a fair, rapid response.

Understanding the Claims Processes

Learn about our rental property insurance claims process that ensures a fair, rapid response.

Quick Claims Settlement. Transparent Handling.

At Millers Mutual, we know how devastating it can be when your rental property business experiences a loss, like a fire or cyberattack. We’ve designed our claim reporting and handling process to reduce your stress and streamline your experience.

From the moment you report a claim, Millers springs into action to assess the situation and provide an appropriate, fair resolution. We don’t stop until the claim is settled, and we keep you updated each step of the way.

In times of chaos, it’s easy to miss small details. For example, sometimes people confuse Millers Mutual with other companies that have “Millers” in their name. Take a quick moment to check your rental property insurance documents. If you see “Millers Mutual” or “Millers Capital Insurance Company,” you’re in the right place.

We’ll need certain information when you contact us, so we can start processing your claim right away. To help us better serve you, please be ready to provide:
  • Your contact information (name, phone number, email address)
  • Name of insured (displayed on all policy documents)
  • Policy number (displayed on all policy documents; three letters followed by nine digits)
  • Date of rental property loss
  • Location of loss
  • Description of loss (type of property damage, description of injuries, etc.)
  • If you have someone else you’d like to handle all communications about this claim, please include their name, phone and email.

Once you’re ready, report the claim using the option that’s most convenient for you:

  • Phone: Call us at 800-745-4555, option 2. If necessary, leave a voicemail and we’ll return your call, typically within one business day. You can also call your Millers Mutual agent directly to report a claim.
  • Email: Email us at reportaclaim@millersinsurance.com. Be sure to include the details listed above.
  • Online: Complete our online claim reporting form.

Remember, prompt reporting is key, so notify us of a loss as soon as possible.

While you’re on the phone with a claims representative, we’ll gather any additional details we might need, such as the extent of the damage or the events that led up to it. We’ll also assign a unique number and a dedicated claims adjustor to your report, who will evaluate the loss, coordinate claim-related activities (like repairs, estimates, or, if necessary, litigation), and answer questions you have throughout the process.

By the end your conversation, you’ll know what to expect next. If the damage is minor, we may simply ask you to send us a repair estimate from a contractor of your choosing. Your claims adjustor can then authorize you to proceed with repairs based on that estimate. (If the estimate seems inaccurate, the adjustor will advise you on next steps or possible options.)

In the event of extensive rental property loss, we’ll send an appraiser or engineer to assess the situation in person and determine how to best proceed. Because no two claims are exactly the same, the next steps will vary based on factors like the type of claim and the nature and severity of damages.

If you need assistance at any point during the claims process, you can contact your Millers Mutual claim representative at 800-745-4555, option 2, or call your agent directly.

Our Expertise In Action

See how Millers’ robust coverages, skilled agents, and straightforward, attentive claims process shielded a couple’s multifamily housing property business.

Read Case Study

Prompt. Professional. Fair.

Our specialization in rental property insurance allows us to process your claim quickly, and we’ll always compensate you in accordance with your policy. It’s just one of the reasons rental property business owners choose Millers Mutual.

Why Millers Mutual

Start the Claims Process

Report your rental property loss to Millers Mutual.

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