insurance claims
Our team is here to help you
File a Claim
Having a claim can cause disruption and stress in your day to day life. At Lumen Select we are here to make sure everything goes smoothly. That means with our dedicated team we will make your claims process as smooth and simple as possible, all while keeping you updated from beginning to end. Below are some key things to keep in mind if you have had a claim:
Provide as much detail as possible
Don’t throw anything related to the claim away
Don’t delay!
Our Claims Process
1
File a Claim
You can file your claim multiple ways: Call us direct at 1-888-453-1179, contact your licensed Lumen Select agent, or access your account at the “Manage My Policy” link above.
2
Claim Review
Our team will contact you promptly, obtain all the relevant information from you, complete on-site inspections as needed, and move quickly to determine the coverage on your policy.
3
Claim Resolved
After coverage has been determined, and payment has been made, our commitment to our client continues after the claim is closed. We will continue to provide support even after the claim.
Frequently Asked Questions
The overall claims process can vary based on the type of claim, the severity of the damage, and many other factors. Once you have submitted a claim to Lumen Select, a claims representative will review the incident details and get back with you within 1-2 business days. You can also track your claims progress online in the “Manage My Policy” link provided above or on our Lumen Select mobile app.
Depending upon the type of claim, if you are at fault, the loss is related to a non-weather event, your rate may or may not be impacted. Contact your Lumen Select agent to see how your individual claim may affect your overall premium.
The deductible is the portion of the covered loss that you are responsible for under the policy. As an example, if the covered loss is $10,000 and your deductible is $2,500, you would pay $2,500 and Lumen Select would pay the remaining $7,500, or up to your limit.
You will typically pay your deductible directly to the contractor once the repairs have been completed.
Contact your claim representative with any concerns you have on your estimate, and they will work with you to find a fair solution.