File an Insurance Claim Anytime

24 hours a day, 7 days a week

Property refers to homeowners, condo, or renters

Or call 888-WAWA-CLAIM (929-2252) and one of our representatives will get the claims process started for you

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Filing Auto Insurance Claims

Information to have when filing your car insurance claim

When you file an auto claim, you'll be asked to provide some basic details, such as:

Contact and insurance information for everyone involved
Photos of vehicle damage and/or scene of the accident
Where and when the incident took place
Any police reports, along with names and badge numbers of responding officers
Vehicle information for all involved (Year, Make, Model, license plate, VIN#, color, etc.)
Optional Other pertinent information, if available, such as traffic flow, information for witnesses, etc.

Should you file an auto insurance claim?

If you’re involved in an auto accident or incident, it’s best to tell your insurance company and start the auto insurance claim process as soon as possible.

You should report your auto claim especially when:

You, your passengers, or others are injured
You cause damage to someone’s vehicle or property
You cause damage to municipal property (e.g., traffic signs, guardrails, etc.)
Your vehicle or another involved vehicle is undrivable and/or is at a storage yard

If none of the points above apply, consider how much your insurance deductible is and what your coverage limits are. Depending on the repair estimate, you’re responsible to cover the vehicle damages up to your deductible.

What happens after submitting an auto insurance claim?

The insurance claims filing process with Wawanesa is straightforward. But remember to refer to your policy coverage limits, as that will impact the available coverage. Here’s what to expect:

Claim Assignment

You’ll be assigned a claims adjuster who will verify the details of the incident, review your coverage, and explain the next steps.
If there are injuries, a separate adjuster will be assigned to review those claims. Ensure that you stay in communication and cooperate with your adjuster.

Fact-Finding and Liability Assessment

For liability cases, the adjuster may contact witnesses, gather statements, or request a police report, if available.

Damage Evaluation

A repair estimate will be created for your vehicle. Severe damage may require an in-person inspection. To avoid unnecessary storage fees, allow Wawanesa to inspect your vehicle promptly.

Payment and Repairs

Payments for repairs will be issued directly to you or your chosen repair shop handling the repairs.
Your claims adjuster can provide you with a list of Wawanesa’s Preferred Repair Network Facilities, where the repairs are guaranteed for as long as you own the vehicle involved in the claim.

Filing Property Insurance Claims

Information to Have When Filing Your Property Insurance Claim

When you file a property claim for theft or damage covered by your homeowners, condo, or renters insurance, you’ll need to provide the following:

Your policy number
The facts of the incident, such as date, time, what happened, etc.
Any reports from experts or contractors who’ve inspected the damage
A copy of the police report (if applicable)
Optionally submit pictures of the damage

Should you file a property insurance claim?

Whenever an accident occurs resulting in bodily injury or property damage that will likely exceed your deductible, you should file an insurance claim. Certain types of homeowners, condo, or renters insurance claims may be excluded from the policy, so if you’re unsure whether something is covered, review your insurance policy documents online or call 800-640-2920 and speak with one of our helpful agents who can review your policy. If the damage is caused by an ongoing maintenance issue or a long-term problem that hasn’t been repaired, it may not be covered by the policy.

What happens after filing a property insurance claim?

As soon as possible, take steps to protect your home against further damage. For example:

Water damage: hire a water mitigation company to dry out the home

Roof damage: have a roofer protect the roof against additional damage with a tarp

Fence damage: ensure the property is safe and secure with a temporary fence

Claim Assignment and Inspection

An adjuster will be assigned to assess the damage, determine coverage, and, if needed, conduct an in-person inspection.

Personal Property Losses

Provide a detailed inventory of damaged or lost items, including their value, age, and condition.
Wawanesa will estimate the covered losses and issue payment minus your deductible.

Home and Other Structures Losses

Wawanesa will estimate the covered damages and losses to your home and issue payment minus your deductible.

Home Repair Process

Hire a contractor of your choice to complete the repairs to your home and save all receipts related to the claim.

Wawanesa's Claim Service Guarantee

We’re dedicated to ensuring your insurance claims experience is smooth and worry-free. By choosing Wawanesa, you’re selecting a trusted insurance partner and gaining access to a network of providers known for superior workmanship and customer care.

While you always have the option to use the auto repair facility or contractor of your choice, if you use a Wawanesa approved provider for your vehicle, your auto claim repairs will be guaranteed for as long as you own the vehicle involved in the claim.

At Wawanesa, we understand the stress of unexpected accidents or damage. That’s why we make filing an insurance claim convenient and simple.

Frequently Asked Questions About Insurance Claims

Should I file my insurance claim online or by phone?

You can file your claim in two ways — either online or over the phone by calling 888-WAWA-CLAIM (929-2252). Both methods are available 24 hours a day, 7 days a week.

How long do I have to file a claim?

Auto Insurance Claims

When filing an auto insurance claim, acting quickly is essential. Notify Wawanesa as soon as possible after an accident, loss, or lawsuit potentially covered by your insurance policy to ensure your claim can be processed without delays. Your insurance policy may outline specific reporting timeframes, so reviewing your terms is a good idea. Delaying the insurance claim filing process could impact the investigation and affect the settlement or coverage available.

Property Insurance Claims

For most home, condo, or renters insurance claims, you generally have one year from the date of loss to file. However, certain circumstances, such as damages caused during a designated State of Emergency (e.g., a wildfire in California), may extend this timeframe to two years. Even so, filing your claim promptly helps ensure the process moves smoothly and reduces the risk of jeopardizing the investigation, available coverage, or settlement.

How long does an insurance claim take?

car Insurance Claims

The time to settle a car insurance claim will vary, since it depends on the details of the incident or accident. Factors like the accident's complexity, damage extent, and repair timelines all play a role. While some claims resolve quickly, others may require more time for proper investigation and resolution.

Property Insurance Claims

The length of time to resolve a property claim varies depending on the severity of the damage or covered loss. Minor claims may be settled within days, while larger claims, such as those involving uninhabitable homes, can take months.

Wawanesa is committed to keeping you informed throughout the claims process to make it seamless.

How does the repair process work?

Auto Repairs After Filing a Claim

Once your vehicle’s damage has been assessed through a virtual or in-person inspection, you’ll provide the repair estimate to your chosen repair shop and authorize the work. The repair shop will contact your claims adjuster for further evaluation if additional damage is discovered during repairs.

However, if you use one of our Preferred Repair Network Facilities, the process is much simpler. All you have to do is set up an appointment with the repair shop for both the inspection and repairs. Then, they’ll prepare an estimate on our behalf without Wawanesa needing to inspect your vehicle separately. Once the repairs are complete, you’ll pay your deductible to the auto repair shop and pick up your vehicle. If you use a Wawanesa-approved auto repair provider, your claim repairs will be guaranteed for as long as you own the vehicle involved in the claim. Learn about our claims service guarantee.

Property Repairs After Filing a Claim

In most cases, Wawanesa will prepare a repair estimate, but you will need to hire a contractor to complete the repairs.

Have more questions on auto and property claims? Visit our FAQs page to find answers on common questions relating to filing a claim, claim payments, and more

Claims FAQs

View your insurance claim information online, anytime, by logging into

My Account

Filing a claim is easy, and we’ll handle the details so you can focus on what matters most: getting back to normal.

Need assistance with the insurance claims filing process? Call us 24/7 at 888-WAWA-CLAIM (929-2252).

Disclaimer

Please note that this website provides only a summary of auto, homeowners, condo, and renters insurance to generally illustrate how insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions, and endorsements of your insurance policy.