Property Claims
Homeowners insurance claims made easy with Starhousingfinance
At Starhousingfinance, we work hard to make sure the process to settle your insurance claim is second to none, whether it’s a home, condo or renters insurance claim.
Our property claims process is designed to help settle your claim quickly and efficiently – and get your home back into shape with minimal inconvenience for you.
While each claim may be different, here’s what typically happens at each step in the process:
1 Starting a claim
You may start your claim by calling our Claims Service at (503)916-5160 or you may report your claim online now.
Please have handy:- our name, address, telephone number and policy number
- The type of property damage claim (wind, water, fire, theft, etc.)
- Description of the damage to your home or personal property
- Gather facts about the damage to your property
- Explain coverages in your policy and your deductible
- Help schedule an inspection of the damage, if necessary
2 Estimating Damage and Repair
Minor property damage claims may be handled over the phone. Depending on the extent of the damage, however, a representative may be required to inspect your property.
The representative will provide you with a detailed written estimate and assessment that includes all visible and verifiable damages.
In some cases, you may receive payment immediately after the inspection is completed.
When it comes to repairs, you may select a contractor from our On Your Side® Property Repair network, or you may arrange for a contractor on your own.
If you select your own, make sure they’ve operated in the area for several years, are insured and will give you a written guarantee.
Protecting your property – and more
Your claims representative may suggest ways to protect your property to prevent further damage and to ensure the claims process and reimbursement for costs goes smoothly.
Suggestions like:- Making reasonable temporary repairs to avoid further damage
- Taking pictures of the damaged property before it’s repaired or discarded
- Securing windows, doors and roof damage
- Keeping receipts of expenses you incurred as a result of the damage to your property
If it’s your home that has been damaged and is unlivable while it’s being repaired, we may be able to help cover your living expenses as well.
3 Settling and Closing Your Claim
Once your damages have been estimated and reviewed with you, we’ll issue payment under the terms of your policy, minus any deductible amount you’re responsible for paying.
Depending on the circumstances of your claim, you can choose how you receive this payment: direct deposit to your bank account, on a Visa® debit card or by check.
Typical property insurance claims
Wind damage
Debris and foreign objects carried by high winds can cause extensive property damage.
Water damage
A water heater leak and burst pipes are common incidents that can cause damage to your property.
Hail damage
Be sure to pay attention to hail reports, since hail can cause damage to the exterior of your home, as well as shatter windows and glass doors.
Theft damage
If your home has been broken into, damaged and some of your possessions stolen, our streamlined claims process can help you get things back in order.
Auto Damage
If you are involved in an auto accident, our auto insurance claim process can help get you back on the road quickly and fairly.
Auto Glass Damage
Damage to your car’s windshield can lead to even more auto problems, use our quick claims process to help get your windshield fixed or replaced.
Boat Damage
A boating accident can be a stressful time, use our quick and easy claims process to get you back to having fun on the water.
The information contained on this page is intended to provide insight into our Property Claims process. The information is not intended to replace policy language that determines coverage. If you have questions about your policy, please contact your agent.
