Claims Frequent Questions

Home Insurance Claims


How do I start the repair process for damage to my home?

You should obtain an estimate from a contractor of your choice. Depending on the extent of the damage, we may also need to have an Amica adjuster​ inspect the damage in addition to your provided estimate.

I do not know a contractor to repair my home. Can you supply one?

Amica has a Repair Assistance Program​ available in most areas of the country. At your request, we can put you in touch with a contractor to repair your home. It is always your choice to select your own contractor. You are under absolutely no obligation to use a contractor in our program.


I received a check for the repairs to my home. Why is my mortgage company listed as a payee?

We are required to list your mortgage company as they have a legal interest in your property and a vested interest in seeing that the repairs are completed.

I received payment for damages based on the adjuster's estimate. What if more damage is found?

Our adjusters​ write estimates based on what is seen at the time of their inspection. We realize that additional damage may exist but may not be found until the work begins. Notify us immediately before the additional damage is repaired. We may need to inspect the additional damage in order to properly assess coverage and accurately estimate the cost of repairs. Supplemental payments​ may be issued if coverage applies.

An adjuster will be inspecting damage to my home. How soon can I expect payment if I'm covered?

Payment is generally issued as soon as we have inspected the damage, confirmed coverage, and written an estimate for the cost of repairs. The time frame can vary if the loss is more complex or involves unique repair items.