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Haevy rain wih leaking drain in the garden

You come home one night after a strong thunderstorm and aren’t thinking at all about the weather. That changes when you hear water in your basement upon entering. The sump pump didn’t turn on, and now you have water damage.

It’s probably not what you wanted to come home to, but there’s no need to panic. After all, this is what your homeowners insurance is for. We’re here to walk you through the claim process so you’re prepared to get your home back to normal as soon as possible. Finally, we’ll go over what to expect when your claim is taken care of.

Contact Your Insurance Company

Jason Blevins is a leader on the insurance loss team at Quicken Loans. He says it’s not wise to jump in and immediately start repairing things.

“The first thing you should do when you have any kind of damage to your property is you should contact your insurance provider,” he said. “Give them in-depth information on what exactly happened to your home.”

Let them tell you what to do next. In situations where the damage is likely to worsen without immediate mitigation measures (e.g., a flood or fire), the insurance company will likely tell you to call someone out to take care of it. If this is the case, keep the invoices so you can be reimbursed later on.

It’s really important to listen to your insurance company throughout the process. Not doing so could jeopardize your compensation.

If the damage isn’t likely to get worse, the insurance company will next give you a timeframe for sending an adjuster out.

Damage Evaluation

The first thing your insurance company really needs to do is send an insurance adjuster out to evaluate the damage. They’ll send an itemized list of repairs and the cost of the fix back to the insurance company.

At this point, you may be tempted to hire a public insurance adjuster. After all, the adjuster that was sent out works for the insurance company, so would they really have your best interests in mind?

Blevins doesn’t recommend going this route unless you have a serious dispute and think the insurance company’s adjuster has missed something in evaluating the damages. The reason for this is that a public insurance adjuster gets paid by taking a percentage of your insurance settlement, and you could actually end up getting less after the fee is paid.

The Repair Process

The adjuster has seen the damage, and maybe you even have the check from the insurance company. Now’s the time to strap on the tool belt, right? Unless you’re Bob Vila, the answer is probably no.

In addition to the fact that home repair is a major pain in the neck for most people, Blevins points out another big reason to leave this to the pros:

“Something I would strongly suggest is letting [the insurance company] select the contractor instead of doing the work themselves,” he says. “If you do it through a contractor, your insurance company will sometimes guarantee the work for a certain amount of years, whereas if you do it yourself, they won’t guarantee it.”

You may be confident in your ability to do the work at a high level of quality. However, the fact that the contractor is licensed is a big guarantee for you and your insurance company that the work will be done correctly.

Home Inspection

Depending on the amount of the claim, your mortgage lender may schedule a home inspection. The inspector uses a copy of the adjuster’s report given to the lender as a checklist. This is done for a couple of reasons.

An inspection protects you against work that’s done in a substandard manner. Depending on the size of the claim and the status of your loan, multiple inspections could take place throughout the repair process.

“Inspections from the mortgage company are only to help to make sure that the repairs are up to par and that they don’t see anything that could cause further damage down the road,” Blevins adds. “Inspectors are there to make sure the home is being repaired to the same, if not better than, before the claim.”

The second reason is that the mortgage company has a responsibility to protect its investment and make sure the house will continue to hold its value. This is important to investors in your mortgage, like Fannie Mae, Freddie Mac and the U.S. Department of Housing and Urban Development.

For this reason, your lender may be listed on the checks from the homeowners insurance company and, if so, will need to endorse them. If the work is done in stages with multiple inspections, lenders may give the funds back to you in disbursements rather than all at once.

What to Expect After Your Claim

Depending on the nature and cost of repairing your claim, there’s a possibility that your homeowners insurance costs could go up when the dust settles.

It may not be fun, but your home’s history has an effect on your insurance premiums. It’s not a guarantee that the price of your insurance will go up after a claim, but it’s something you should be prepared for.

For more information on what affects your insurance costs, we’ve put together a list of factors that can drive your premiums up.

I hope you don’t have to put in a homeowners claim anytime soon, but if you do, now you’re prepared. If you have any questions, leave them for us in the comments.

This Post Has 44 Comments

  1. I haver a check from insurance company I need to send it to Quicken. I need the file that explains your process once we receive a check and need to send it to you for endorsement and returned to the homeowner.

    1. Hi Allen:

      There’s no one file because the process depends on the amount of the claim. I’m going to get this over to our team. Thanks for reaching out!

    1. Hi April:

      Depending on the size of the claim, there are a few things we have to do in order to help you with that. I’m going to get this to our team to reach out to you about next steps. Thanks!

  2. I am a contractor and need to submit documents in order for QL to release funds to the homeowner for whom we completed the work. What is the address of your loss drafts department, please? Thank you!

    1. Hi Lisa:

      I’ll get this to our team to get in touch with you about appropriate next steps. Have a great day!

  3. I have sent to Quicken Loans Property Repairs the check issued by my insurance company to be endorsed by Quicken Loans. Sent it certified mail . I cant find a phone # to call and I havent heard or had any response The repairs have no been done but will be done this week. When might I hear something?

  4. I need the address to send a check in order for it to be endorsed in order to pay contractors to repair my roof.

    1. Hi Jim:

      I’m going to get this to our team and someone will be in touch with next steps. Have a good day!

  5. I had my roof repaired on 03/02/2020. I sent the endorsed check, as I was directed to do, to Quicken loans to sign. I’ve left two messages, as I have not heard back, nor have I received the check. The work has been completed and State Farm has issued the final check. This is almost a month that Quicken has had my check and has not released it back to me. I just got divorced and am having to refinance my house, but need that to pay the workers for their completed job. Their company has also inquired about this issue, as they have never had a mortgage company hold on to a check for this extended amount of time. How can I get this fixed ASAP. I need to know where the check is before I send another one to them.
    thanks for any help you can provide.

    1. Hi Shanna:

      I’m going to get this to our team to provide you an update. Thanks for reaching out! We’ll get you taken care of

  6. Hello,
    I have filed a claim with State Farm and it shows that the check has already been sent out. I have a contracting company waiting for the check before starting the work. I don’t see any clear process on this site to have the check cosigned, also I noticed there is a partnership with State Farm, will this expedite this process?

  7. I would also like to know where to send an insurance check for endorsement. Thanks your your time in response.

    1. Hi Bryan:

      I’m going to get this to our team to look up your file and make sure we get you taken care of. Thanks for reaching out!

    2. I got the information from one of your associate today and I have misplace it to where to send an insurance check for endorsement. Thanks

      1. Hello Haywood,

        I emailed you about getting you in touch with our team to help you with the right information.

        Thank you.

  8. How can I expedite getting a Quiken Loans endorsement on my Safeco Insrance Claims payment check. The job will be completed soon .

    1. Hi Jeanne:

      Thanks for reaching out! I’m going to get this directly over to our Client Relations team who can reach out to go over the process. Have a good day!

  9. We have a check from our insurance company resulting from a claims settlement. We need Quicken to endorse the check so we can get the money to begin repairs. Please provide the info I will need to get it to you and endorsed.
    I know from my insurance claim person that we need an 1. ADDRESS to send the check to & we need to know whose 2. ATTENTION to put it to.
    If there is ANY OTHER PERTINENT INFORMATION WE NEED TO KNOW, PLEASE ADVISE US. Thank you.

    1. Hi Joanne and Jerry:

      I’m going to get this over to our Client Relations team to get you the proper information so you can move forward. Thanks and have a good day!

  10. I have a check from my insurance company resulting from a claims settlement. I need Quicken to endorse the check so I can get the money to begin repairs. Please provide the info I will need to get it to you and endorsed. Thank you.

    1. Hi Michael:

      I’m going to get this over to our client relations team so we can be sure to gain the information you need. Thank you very much!

  11. I noticed the 800 number above to reach Quicken loans but is there a direct line to reach the claim Servicing Docs & Repair Property department? I talked with someone today and got the instruction they we needed to send our insurance check to you guys endorsed. Seems risky to mail a endorsed check and so I wanted to ask if we should include on the back “for deposit only”.

  12. My tracking receipt indicates Quicken received my endorsed check , adjuster’s report, and certificate of completin on 03/27 at 10: 47 AM.

    Please confirm. I received a call from a representitive today following the voice mail I left yesterday and was told that there was no record of having received my claim and check information.

    1. Hi Robert:

      I’m going to get this to our client relations team to look into this for you and make sure we get everything taken care of. Thanks for reaching out!

      Kevin

  13. Please provide me with the correct mailing address for Quicken Loan Mortgage, inc, , Department of Loss & Claims . I have a two-signature check that requires the signature of Quicken Loans® Mortgage and me; sending first to QL. When check is signed off and
    returned to my mailing address I will be able to deposit the check … These instructions were provided by The Travelers Insurance Company — please follow up with the needed address to process this claim settlement.

    1. Hi Alma:

      Sorry for the delayed response. I’ve hidden your other comment so your personal information isn’t public. I’m going to have someone reach out to you about this as soon as possible in the morning.

      Thanks,
      Kevin Graham

  14. My bank took the check the insurance comp issue to repsir my home and they would not release it to me to psy people’s did eork to repsir my work from damages and still have work to be done , they kept the whole amount and i,m going to be suid by not psying to contractors, i had line of credit with the bank and always paid my bills on time and know they would not release my payment from the insurance comp to pay other. What i should do, even now we have another huragaine and i may have more dameges. Please helpwould i need atterney

    1. Hi Ada:

      I’m sorry to hear you’re in the hurricane zone right now. You’re in our thoughts. That’s a difficult situation.

      Usually, what happens with major homeowners insurance claims is that your mortgage company has to verify the home is going to be worth as much as it was when it was damaged. With that in mind, they sometimes have the work completed in stages and have multiple appraisals done. The check isn’t released until the work on the first stage is completed to their satisfaction. I would talk to the lender and see why they won’t release the check, but that’s my guess. There has to be a reappraisal.

      Thanks,
      Kevin Graham

  15. I had some storm damage to my home. I should get a check this week that I need endorsed.Can you please reach out to me and let me know the process.

    1. Hi Jeff:

      I’m going to get this over to our Client Relations team and have someone reach out so we can get that rebuild process going for you. Someone should be reaching out soon.

      Thanks,
      Kevin Graham

  16. I am experiencing similar difficulties with getting a check for home improvement. Its great that Kevin Graham answered these complaints, but When are you going to do something about it? Apologies are great, but do nothing.

    1. Hi Pat:

      Our Client Relations team does work very hard to resolve each and every client issue that comes our way. With that being said, because of the nature of client issues, we don’t comment publicly on the resolution in order to protect the privacy of our clients. I’m going to forward this to the team to look into this for you and get things turned around.

      Thanks,
      Kevin Graham

  17. Filed a claim on damage to our house…supposed to send the check to quicken to have it endorsed…can’t seem to find a phone number to call on your website….seems strange that except for this email box, there is no very clear phone number to call,,,,,!!!!!!
    Help!

    1. Hi Steve:

      Thanks for reaching out! I’m going to pass this along to our client relations team to have someone reach out to you directly about this. That being said, in the future, feel free to call (800) 863-4332. We’d be happy to take care of you.

      Thanks,
      Kevin Graham

  18. I had damage to our home. I had an insurance adjuster do inspection. I have a check that needs to be endorsed so that I can start repairs. I have been trying for one week to get someone from quicken loans to tell me how to get the check endorsed. After many hours on hold and waiting for someone from insurance department team to call me back. I am frustrated. Previous interactions with your company had been positive. However this is making me rethink our decision to go with quicken loans, and I will find it difficult to recommend your company in the future. Please email instructions so that we can make direct contact with someone who can actually explain your process.

    1. Hi Chad:

      I’m very sorry you’re having this experience with us. I’m going to make sure we get someone in contact with you about your home insurance check so that we can get things back to normal for you as quickly as possible. Thanks for making us aware of this and giving us the opportunity to turn it around.

      Thanks,
      Kevin Graham

  19. If you file an insurance claim due to Hurricane Matthew, and paid our deductible, can you deduct your insurance deductible paid on your income taxes?

    1. Hi David:

      With tax questions, we really recommend going to a professional accountant or tax preparer because everyone’s situation is different.

      Thanks,
      Kevin Graham

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