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Openly Home Insurance Claims

Your peace of mind, our priority.

File a Claim

15+ years

Average experience of claims team members

24 hours

Most policyholders are contacted within 1 day of filing a claim

5-7 days

Average time to complete an inspection from first notice of loss

84%

Policyholder claims satisfaction score (paid and denied claims)

Our Commitment to Homeowners

Whether your home has been damaged by fire, theft, or another disaster, we’re here to help. Our mission is to provide an easy and tailored claims experience by leveraging innovative technology and trusted partners to assess damage and estimate repairs.

Steps to Filing a Claim with Openly

Step 1

Report a new claim

File a home insurance claim quickly and easily using Openly's online Claims Portal. You can also submit a claim by calling (888) 808-4842.

Report a Claim
Woman sitting on her sofa filing a home insurance claim on her phone

Step 2

Assessment

Our claims team will review your claim and assess the property damage. A claims adjuster will contact you to provide details and outline the next steps.

Report a Claim
Damaged home from large tree

Step 3

Estimate & repair

You have the flexibility to choose your own contractor or select one from Openly's network of trusted professionals to handle the inspection, estimate, and repairs.

man repairing siding of home

Step 4

Payment & support

We're committed to your satisfaction. Even after the claim is settled, we'll continue to provide ongoing customer service and support throughout the process.

customer service agent on the phone helping a customer with home insurance claim

Managed Repair Program

Feeling overwhelmed after a home insurance claim? Openly’s Managed Repair Program is here to help  you get through this stressful time. Our network of pre-vetted repair professionals is designed to help take care of getting your home back to how it was, including:

  • Water mitigation
  • Property restoration
  • Electronics repair
  • Contents repair & restoration
MRP

Hear What Policyholders Have To Say

Learn directly from policyholders how Openly's efficient and reliable claims process made a difference when they needed it most.

We feel very safe with Openly insuring our home. I can't say that about any other insurance company, but with Openly? Absolutely, 100% safe. I know they are going to take care of us and always have our back.

Rachel E., Tennessee

Openly Policyholder

I filed a claim with Openly in March because the storm had taken off part of my roof….All the people I talked to at Openly were knowledgeable and gave me the information I needed immediately….Knowing I have Openly, I feel secure.

Marianne L., Tennessee

Openly Policyholder

Home Insurance Claims FAQs

Should I file a home insurance claim?

Several factors can influence your decision to file a home insurance claim. Consider the following:

  • If the damage or estimated repair cost exceeds your deductible, filing a claim may be beneficial.
  • If the damage compromises the safety of your home, you should file a claim promptly.
  • If anyone was injured on your property, you should report the claim.

If you have questions about your homeowners insurance policy or need help filing a claim, contact your independent agent directly or Openly Claims at (888) 808-4842.

 

How do I file a home insurance claim?

To file a new claim with Openly, you can:

 

What information do I need to file a home insurance claim?

To file a claim, you'll need:

  • Insurance policy number and agent contact
  • Date, time, location, and description of the incident
  • List of damaged items, photos, repair receipts


 

What do I do in case of an emergency?

Ensure everyone is safe and contact authorities if needed.

To prevent further damage:

  • Stop the source of the damage (e.g., water, fire).
  • Secure your home with temporary repairs.
  • Contact a professional for additional assistance in mitigating the damage.
  • Document the loss with photos and videos of the damage.


What happens if my home is not livable?

Our policies cover Additional Living Expenses.

This means you can continue paying your regular expenses, like your mortgage, while Openly reimburses you for additional costs if you are unable to live in your house due to a covered loss. 

 

Can Openly help me find the right contractors and service providers to make repairs?

We've partnered with some of the top contractor networks to provide you with the best options for repairs. These include mitigation experts for water damage and general contractors for rebuilding. For more information, ask about our Managed Repair Program. 

 

How much does home insurance go up after a claim?

Yes, filing a home insurance claim may lead to an increase in your insurance policy premiums. The extent of the increase can depend on the type of claim and the cost of repairs or replacement.

 

How long does a home insurance claim take?

The time it takes to process a home insurance claim can vary. Factors such as the severity of the damage, the complexity of the claim, and the efficiency of the insurance company can all impact the processing time. 

 

Have a Claim?

You can file a new claim online or contact your independent insurance agent for assistance with the filing process. 

For questions on existing claims, we can be reached at 888-808-4842 during our claims business hours:

Monday-Friday, 8am-8pm ET
Saturday, 9am-4pm ET