Commercial and residential insurer with sophisticated claims handling. Strong commercial property restoration experience. Uses staff adjusters for residential claims.
Claims Phone
1-800-252-4633
Avg Claim Days
14 days
File Online
travelers.com
File via travelers.com or 1-800-252-4633 (24/7 claim center)
Staff adjuster assigned — typically within 24 hours
Travelers uses Xactimate with proprietary price modifications
Pre-loss inspection data (if available) used to establish baseline
Settlement offer typically within 15 business days of inspection
Avoid these pitfalls — they are the most frequent reasons Travelers Insurance denies or reduces water damage claims:
Earth movement exclusion applied to water-caused settling
Flood exclusion on surface water events
Gradual seepage exclusion
Prior damage not disclosed on application
Travelers' Appraisal process is well-defined. Request Appraisal in writing. File with state Insurance Commissioner if Appraisal cannot be agreed upon.
Travelers is known for detailed claims analysis. Their adjusters use detailed scope worksheets. Public adjusters who match Travelers' analytical approach typically achieve better outcomes.
A public adjuster typically charges 10–15% of your final settlement — only hire one if the claim is large enough to justify the fee.
NY
Strong New York market presence. Familiar with NYC multi-unit building water damage complexity.
CT
Headquartered in Hartford, CT — strong regional knowledge of Northeast flooding patterns.
FL
Travelers has maintained Florida presence but with tightened underwriting near coastlines.
Our IICRC-certified pros know Travelers Insurance's claim documentation requirements. We help your claim go smoothly.
Water damage right now?
Call before mold sets in (24–48 hr window)
Call 24/7Travelers Insurance Claims Line
1-800-252-4633