Claims Tips for Customers Affected by Hurricanes

At Liberty Mutual Insurance, our primary concern is the safety of all those affected by hurricanes. If your business has been affected by a hurricane, we have put together a few property and auto claims tips for our customers to help you through the process in the aftermath of the storm:

Need To Get Started With a Claim?

We know that times of weather emergencies can be very stressful and we’re here to help. If you need to get started with a claim, please call the following numbers:

  • For small business customers, call 844-3-CLAIMS
  • For midsize/large customers, call 800-362-0000
  • For Ironshore Private Client Group customers, including those who have Homeowners, Marine, Yacht, or Fine Art policy claims, please contact Raphael & Associates at 1-800-466-9165 or email

Property Claims Tips for Customers

  • Stay safe. Your safety is our top priority.
  • Make emergency repairs. If it is safe and lawful and the threat has passed, make emergency repairs to your property to prevent further damage. If, when you report a claim, we recognize the need for emergency services, your adjuster will work with you to access the best resources to assist in your recovery.
  • Track your inventory. Property loss is more than just damage to the building—it can include damage to its contents, too. Having a complete list of your inventory ready can help speed up the claim process.
  • Power out? Computers down? Call us. Calling 1-800-362-0000 is the easiest way to file a claim. We have staff in the affected areas who can help get your claims filed and offer other assistance. As soon as authorities allow us to access the area, we can come to you.
  • Take a breath. We are committed to the fastest, best claims administration we can give you. But it will take time for adjusters to get to affected areas, and it will take time to rebuild.

Auto Claims Tips for Customers

  • Assess damage to your vehicle. If your vehicle is not considered a total loss, use Liberty Mutual’s Guaranteed Repair Network for a fast and vetted repair experience. For minor vehicle damage, to send us photos through the LM Expedite app.
  • Locate your missing vehicle. If you can’t find your vehicle, contact local authorities. During floods, local authorities sometimes tow or move vehicles to aid in cleanup efforts.
  • Understand what a total loss is. If the water has risen above the tire or the wheel well of your vehicle, it is potentially a total loss. Other damage, or special rules set by the government during weather events, might also might make it a total loss.
  • Prepare before your car is towed. When we hear about a potential total loss, we will notify one of our two third-party auto salvage partners, Copart or IAA. The assigned vendor can then tow your vehicle to their facility for inspection.  Please note that Copart or IAA will only tow a vehicle when it is safe to do so. They may have to wait until water recedes.

       Before a tow arrives:

    • Only access your vehicle if you can do it safely and lawfully!
    • Remove property from your vehicle.
    • Take photos of vehicle damage. For total losses, you can take pictures yourself, or our salvage partners can send photos directly for accelerated processing through Liberty Mutual Total Loss Express.
    • Authorities sometimes issue specific bulletins that prohibit us from allowing customers to keep totaled vehicles. If you want to keep a totaled vehicle, we have to seek permission from local authorities first.
  • Ask about electronic funds transfer (EFT). Adverse weather can delay the delivery of paper checks by mail.  Ask your claims adjuster if you can receive your payments electronically.   If eligible, you can sign up online quickly and easily. (EFT may not be available for all customers.)
  • Contact your insurance agent or broker. Or call us at 1-800-362-0000. We are here, working together to help you recover.

Important Numbers

Call us any time 24/7 to report a claim:

  • Small Business Customers call:
    1-844-325-2467 (844-3-CLAIMS)
  • Mid/Large Business Customers call:

For Ironshore Private Client Group customers, including those who have Homeowners, Marine, Yacht, or Fine Art policy claims, please contact Raphael & Associates at 1-800-466-9165 or email

For any safety related questions, please contact our risk control consulting center.

​Disaster Recovery Resources

Recovering from a disaster takes time. While your safety always comes first, here are some resources to help you work towards recovery after an emergency.