Unsure about whether or not you should file a claim?
Ask yourself these three basic questions.
1. Could the cost of the damage repair or replacement be higher than the cost of your deductible? File a claim.
2. Has a police report been filed?
File a claim.
3. Was anyone hurt or was anyone else’s property damaged as a result? File a claim.
To help with your claim, please take the following steps:
Check your policy and make sure that what you are filing for is covered.
Take clear photos of the damage from multiple angles.
If you can do so safely, protect the area from further damage by boarding up or covering it with tarps or plywood depending on if it’s the roof, windows, open stairwells, etc.
Find any pictures you might have of the damaged area before the damage occurred.
In the case of theft, find any receipts for the purchased items. If you don’t have receipts, try to find the make, model and/or serial number of the item(s) stolen or vandalized.
Obtain a police report for theft or vandalism.
Constructive is here to help
Most claims are filed directly with the coverage provider. Click the appropriate link below to file your claim with one of the providers. If your policy is with American National, we will file your claim for you, just click the link below to contact us.
1st Identify Your Carrier