Understand the Edison Claim Process, FAQs

We know the stress our policyholders can face when reporting and tracking a claim, especially after a disaster. We want to make sure our policyholders understand the claim process, should they need to make a claim. To keep our family of policyholders informed of what to expect, below are the most frequently asked questions regarding the claim process.

How to Report a Claim

There are three ways to report a claim:

  • by logging into the customer portal on our website once you have registered your policy,
  • by calling our Claims Department at 888-683-7971
  • by contacting your local agent.

What is the Life Cycle of a Claim

The time frame of your claim may vary depending on the severity and circumstances. The life cycle of the claim typically includes the following:  

  • Claim is received - We assign an adjuster and contact you within 24-48 hours to schedule an inspection.
  • Property Inspection - Your adjuster will take photos and collect details to document your loss.
  • Coverage Review - Your adjuster will review your loss details and policy to determine coverage.
  • Review Complete - A final review of your claim is completed and submitted for processing.
  • Coverage Determination - your adjuster will contact you to review the outcome and provide the next steps.

How to check the Claim Status  

Check your status by utilizing one of the same three channels used to report a claim:

  • by logging into the customer portal on our website,
  • by calling our Claims Department at 888-683-7971
  • by contacting your assigned adjuster, or
  • by contacting your local agent.

​When will an Adjuster Schedule a Property Inspection

A licensed adjuster will be in contact within approximately 24 - 48 hours from the time of reporting your claim to schedule a mutually convenient time to survey and adjust your damages. However, in the event of a storm, these times may vary depending on the severity of the event.

How to contact your adjuster

You may obtain the name and contact of the Field or Supervising Adjuster assigned to your claim by, logging into the customer portal on our website, calling our Claims Department at 888-683-7971, contacting your local agent, or find their name and contact information on any documentation they may have left during their visit to your home.

When to begin making repairs

Final repairs should not be made until your adjuster inspects the property and evaluates the claim.  Talk to your adjuster before beginning the final repairs.

How do I select a contractor

Selecting a contractor can seem like a daunting task and you must be on the lookout for red flags to ensure you are not scammed during this vulnerable time.  Here are some steps to follow:

  • Verify the contractor carries liability and workers' compensation insurance.
  • Ensure the contractor presents a valid Contractors License by visiting www.myfloridalicense.com.
  • Request and verify references.
  • Thoroughly review the estimate and contract before signing and agreeing with the terms.
  • Be on the lookout for the term "Assignment of Benefits or Assignment of Rights - Transfer of Benefits or Transfer of Rights".  Signing a document with this language allows the assignee to make repair decisions, file a lawsuit, and collect insurance proceeds on your behalf.  For more information about Assignment of Benefits contracts visit myfloridacfo.com

What to do if the contractor's estimate is different than the one provided by the adjuster

If your contractor's estimate differs from ours, contact your adjuster to advise of the differences and submit the differing estimate to csclaims@edisoninsurance.com. Your adjuster will review to determine if a reinspection is needed or if it can be resolved with receipt of a written request and supporting documentation from your contractor.

Edison is Here to Help

Find a list of more FAQs here. Keeping your family and home safe and protected is Edison Insurance Company's number one priority. Ask your agent how they can help make sure you have the proper coverage or call us at 866-568-8922.

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