property claims

Our Property Claim Process


Take all necessary steps to protect the property from further harm		If possible, take photos of the damaged property for documentation		Report any property claims to your WMI Independent Agent or online

HIRING A CONTRACTOR?

Local contractors rely on their reputation in your community and are more likely to provide reliable, high‑quality service.

Some contractors travel from town to town after storms, offering quick fixes but delivering poor work — and disappearing when problems come up later.

Look at BBB ratings, Google reviews, or ask friends and neighbors. A little research can save you a big headache down the road.

If a contractor asks you to sign documents you don’t fully understand, pause and ask your insurance agent or adjuster for help before agreeing.

You are free to choose whoever you want to repair your home. You never have to use a contractor who approaches you unsolicited.

Ask for proof of insurance and proper licensing. This protects you if something goes wrong on the job.

Comparing estimates helps ensure fair pricing, and keeping receipts helps us process your claim smoothly.

A reasonable deposit is fine — but avoid paying everything before the work is complete.

Ask for a written contract that explains the scope of work, materials, costs, timelines, and any warranties.

Once work is done — especially for roof or structural repairs — let your agent know so we can update your policy records.