Homeowner Claims FAQ


How do I report my claim?

You can file your claim in two easy ways. Contact your local insurance agent during normal business hours. If you are unable to contact your agent or need to call beyond normal business hours you can report directly to Patrons Oxford by calling 1-800-542-7032 or by reporting a claim online. This service is available 24 hours a day, 7 days a week.

What do I need to do after my loss?

Your responsibilities include reporting your claim promptly to us or your agent, notifying the police in the case of loss by theft, protecting the property from further damage, and showing us the damaged property. You will find a full listing of your duties after a loss in your policy under Property Coverages-Conditions.

I have reported my claim. What happens next?

Your claim will be assigned to a Patrons Oxford claim representative. If an inspection of your damaged property is necessary, we will assign a local independent claim adjuster to contact you directly. The adjuster will schedule an appointment to view the damage and instruct you on the claims process.

What happens after the adjuster inspects my damage?

Patrons Oxford is committed to processing your claim in a timely manner. You will receive a copy of the adjuster’s estimate of damage when we complete our investigation and coverage is confirmed. 
A settlement check will be issued when we agree on the amount of loss. You may be required to sign settlement forms prior to the issuance of the check.

What are the terms of my claim payment?

All policies are subject to specific conditions. The terms of settlement may be at replacement cost value, or actual cash value (replacement cost less depreciation). The terms of your policy will determine the loss settlement conditions. You will find a full description of your loss settlement agreements in your policy under Property Coverages-Conditions.

All policies are subject to a deductible.

If a mortgagee is listed on your policy, we are required to include their name on the check.

What should I do if more damage is discovered after I receive the claim payment? 

If more damage is discovered after your claim is settled, contact us immediately. A re-inspection by the adjuster may be required to view the damaged property and investigate coverage.