Homeowner, Dwelling & Other Property Losses

In the event of a property loss, such as a structure fire, natural disaster or a water damage claim, here are some tips on what should be done:

  • First and foremost, if it involves a fire, get everyone out of the house and accounted for.
  • Notify the Fire Department
  • Everyone should be familiar with an escape route and meeting place.
  • If anyone is injured and in danger, move them to safety, provide immediate first aid assistance if qualified and call for emergency services.

Damage to building
Make “reasonable” emergency repairs to prevent further damage. The claims adjuster will discuss coverage issues with you and authorize any repairs. Your adjuster will want to communicate with the contractor before any permanent repairs are actually done.

Loss of personal property
You must document such things as the make and serial numbers, descriptions, etc., along with establishing the value to the items. Pictures, videos, lists, sales receipts, credit bill statements and all helpful. The adjuster will advise you further.
 

Commerce Insurance Company
For major claims and water damage:
Call 800-221-1605 for 24-hour claim service.

For minor claims:
Please call our agency first for reporting instructions
 
Merrimack Mutual Fire Insurance Company
During our normal business hours:
Please call 508-226-4076

For emergency claim service only on nights and weekends involving major claims and water damage:
Call Certuse Adjustment at 978-445-0431
Leave name, your phone number and short message
 
Mass Property Insurance (MPIUA)
800-392-6108 Select Option 1 to Report a Claim
then select:
  Option 1 for a new claim, or select
  Option 2 for an existing claim
 
Foremost Insurance Company
800-527-3907 Call anytime, day or night
 
Claim Office Hours
7:00AM to 10:00PM   Monday – Friday
8:00AM to 6:00PM   Saturday
9:00AM to 5:00PM   Sunday
Please have your policy number available if possible.  When you call during the hours above; you will speak to a claim representative.  When you call when our claims office is not open, the emergency service will answer.
 
National Flood Services
800-759-8656 Monday – Friday:  9:00AM to 8:00PM (EST)
For after hours, nights and weekends, please leave them a message.
They will return your call the next business day
 
American Collectors Insurance Company
800-360-2277 Press Option 5 for Policy Services, then
  Press 1 for Claims, then
  Press 1 for Towing,
Press 2 for Glass or
Press 3 to speak with a representative.
For after hours, nights and weekends, please leave them a message.
They will return your call the next business day
 
 
 
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