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I have a claim

How do I file a claim?

  • If you suspect you are in any hazard or need emergency repairs, such as an active water leak or potentially unsafe living condition, you may want to consider contacting one of our approved contractors for emergency remediation. To ensure timely processing, please document reasonable remediation efforts with photos and receipts.
  • You can file a claim in many ways, either directly with us or through your agent, who can advise you on your coverage and how to proceed through the claims process.
    If you would prefer to contact us directly, you can file a claim with us on our MyKEY Portal, where you can enter details about your claim and upload relevant photos and documentation. You can also call our dedicated hotline for loss notification at 800-269-1409, or fill out our inquiry form here
  • Whether you choose to work through your TPC agent to file and manage your claim or come to us directly, our claims team is here to help you.

What is a preferred contractor?

Our network of preferred contractors are fully insured and skilled restoration professionals who can help with emergency service needs including water cleanup, roof tarping, cleaning, board-up, and a variety of other home repairs. As an added benefit, contractors within our network of preferred contractors will warranty any work they perform for a period of 5 years.

You are under no obligation to use one of these contractors for your home repair. By providing this list of preferred contractors, The Philadelphia Contributionship does not intend to waive any provision or condition of your insurance policy.

You can view the full list of preferred contractors here.

What documentation will I need?

To ensure timely processing, we recommend having your policy number, receipts and photos for any remediation work already undertaken, and police incident report numbers.
If a person is injured on your property or a lawsuit is filed against you, please contact us and provide any relevant documentation as soon as possible so that we may investigate the claim promptly and thoroughly.

What if it’s not my fault?

We understand that sometimes things happen out of your control, but we will work diligently to investigate your covered claim fully regardless of fault. If we receive any subrogation recovery from the responsible party, we will pass back savings to you and refund 100% of your deductible.

How does my claim get settled?

Every claim is as unique as our policyholders. Your claims adjuster will work with you to settle your claim quickly and fairly, in accordance with the terms outlined in your policy documents

When will I receive payment?

Depending on your chosen settlement option, total payment value and timing may vary. Please refer to our claim illustration for examples of the difference between settlement options.

How do I get paid for my claim?

Depending on your policy circumstances, you may be eligible to receive claim payments via check, direct deposit, or via debit card. Any mortgagee or joint insured listed on your policy may be named on your check as well.

Still have Questions? Submit a claim inquiry here

I'm a Policyholder

What are my payment options?

We have many payment options available for your convenience. The simplest way to pay is on our MyKEY Portal, where you can pay online with your credit card. We also accept Checks, Debit/Credit Card, Direct Debit, and electronic fund transfers via mail or over the phone.
For peace of mind, you may want to consider set up an Autopay – no installment fees, no late payments and no lost mail. Contact your agent to enroll today.

How do I find my agent?

Your current agent and their contact information is listed on all policy documents, most correspondence we send via mail or e-mail, and can be found on your policy homepage on our MyKEY Portal. If your agent changes, it will be updated on these forms once the change is processed and becomes effective.

Why/When should I contact an agent?

Your agent is your advisor and guides you in insurance matters. They can help assess your risks and review your coverage options. You should reach out to your agent to review coverage generally and in the event of a claim, update policy information as you renovate & upgrade your home, and modify your billing options, such as autopay.
Keeping your information up to date as you renovate your home can save you money on your premium. Please reach out to your agent to see how you could save.

What is MyKey?

MyKey is a web portal for you to access your policy information, download a copy of your policy documents, make payments, report a claim, update your billing preferences and find the contact information for your agent & our company.
If you have a specific question regarding the MyKey portal please fill out our contact form and someone on our team will get back to you. To add or change your policy and coverage, you will need to contact your insurance agent.

Why do you need to inspect my property?

Periodically, we may request a visual inspection of your property to ensure that your investment in your home is properly protected. The main purpose is to review the condition of the property for developing risks and hazards. This may be performed by one of our vendor partners or we may offer you a self-inspection.

What is self-inspection all about?

We have partnered with Flyreel® to offer a virtual inspection experience. Through their app, you can document your home and provide essential information yourself. This eliminates the need to arrange for an inspector to visit your property, allowing you to complete the inspection at a time that is convenient to you. We have more information available about this process here.

Can I change my policy or coverage?

Yes, your coverage can be amended to better suit your needs. Please note that some changes and coverages may have a waiting period before they come into effect.

Please contact your insurance agent to discuss your policy needs.

Want to enroll in autopay?

For peace of mind, you may want to consider setting up an Autopay – no installment fees, no late payments and no lost mail. Contact your agent to enroll today.

Can I go paperless?

Absolutely, we are very happy to help reduce the carbon footprint of your policy and we will also pass our savings on to you!
You can make the move to paperless by contacting your agent or indicating your preference on MyKEY under “profile”.

How can I obtain a copy of my policy?

To quickly view your coverage, log on to MyKEY and select “Policy Detail” from the menu to view your current coverage online. You can download a PDF of your policy declarations at the bottom of the page. Renewal documents and change confirmations will be sent to you automatically via your preferred contact method.

Where do I get a copy of a 1099 for taxes?

For a copy of your 1099, please complete the following form.

How do I update my policy information?

You can update your billing preferences and contact information in MyKEY. However, for most policy changes, you will need to contact your insurance agent listed on your policy documents and on MyKEY.

How do I update my mortgage company?

Keeping your mortgage information current is very important. It can affect how payments are made on claims and affect any refunds you are due. Please contact your agent (or customer service) to notify us of the correct mortgagee and loan information.

How do I cancel my policy?

We’re sorry to see anyone go, but we understand. Please contact your agent to process your cancellation request and remember to update your contact information. You may be due a refund for any residual premium. In the event we are unable to contact you, we are required by law to send your check to the state.
If you think you may be due a refund on your previous policy, please contact us.

Is my information secure?

Absolutely, we value your privacy and guard your sensitive information in accordance with our privacy policy in your policy documentation.

I am moving - what should I do?

If you are moving to another property within our service area, you may be eligible for a loyalty discount on your next policy with us. Please be sure to ask your insurance agent to include this on the quote for your new policy.
If you are moving outside our service area, we wish you the best, but please be sure to update your contact information. You may be due a refund for any residual premium. In the event we are unable to contact you, we are required by law to send your check to the state.

I have a Billing Question

Payment options?

We have many payment options available for your convenience. The simplest way to pay is on our MyKEY portal, where you can pay online with your credit card. We also accept Checks, Debit/Credit Card, Direct Debit, and electronic fund transfers via mail or over the phone.
For peace of mind, you may want to consider set up an Autopay – no installment fees, no late payments and no lost mail. Contact your agent to enroll today.

Want to enroll in autopay?

For peace of mind, you may want to consider setting up an Autopay – no installment fees, no late payments and no lost mail. Contact your agent to enroll today. You can find your agent’s contact information on your policy documents.

How? Why? (Claims Payments, Refund Premium)

Premium refunds are issued for overpayments on insurance policies or cancellation of policies. If you need additional information regarding your premium refund, please complete the following form.

Where do I get a copy of a 1099?

For a copy of your 1099, please complete the following form. Someone from our team will get back to you in 1-2 business days.

Why did I receive a check from TPC?

There are several reasons that you may have received a check from us in addition to claims payments. Depending on your policy circumstances, you may receive dividend checks annually or return premium checks if you have overpaid, your agent makes a change to your policy, or your coverage ceases. If you are unsure of circumstances around a check you’ve received, please contact your agent.

Who do I contact about a stale dated check?

To inquire about a stale check, please fill out the contact form here. Someone from our team will get back to you in 1-2 business days.

Still have Questions? Submit a billing inquiry here

I Have a MyKey Question

What is MyKey?

MyKey is a web portal for you to access your policy information, download a copy of your policy documents, make payments, report a claim, update your billing preferences and find the contact information for your agent & our company.

Do I need to sign up for MyKey?

You do not need to have a MyKey account for your policy, but it is a convenient way for you to view & edit your account information, file claim, and manage your billing.

How do I create an account?

You can create an account easily using only your policy number, effective date, and mailing address ZIP code.

Having trouble?

If you have a specific question regarding the MyKey portal please fill out our contact form and someone on our team will get back to you. Please remember, to add or change your policy and coverage, you will need to contact your insurance agent.

Still have Questions? Submit a MyKey inquiry here

What Our Clients Are Saying

Providing quality and prompt service for our policyholders is of the utmost importance for everyone from our Customer Service Team to our Claims Team and we take great pride in the feedback we receive.

During the most recent storm, I experience property damage. I called my insurance carrier and was quickly assigned to Laurie D, she went out of her way to ensure I understood the process. She demonstrated patience and compassion when explaining the process and next steps. Additionally, after giving me very...

Sherwin A. Williamstown, NJ 08094

In August, at age 79, we bought our dream house. In October we learned the sewer system was comletely destroyed and a sinkhole had formed under our house. We had only had our insurance with the Philadelphia Contributionship for 2 months when this happened. I checked our coverage with Karen...

Tori H. Camp Hill, PA 17011

The customer services was great, they listened to me , send the right people to assess the damage of my roof. The adjuster, promptly attended the claim and the check to do the repairs was processed very quickly. I would recommend The Philadelphia Contribution-ship, furthermore they are local and will...

George M. Middletown, DE 19709

During the most recent storm, I experience property damage. I called my insurance carrier and was quickly assigned to Laurie D, she went out of her way to ensure I understood the process. She demonstrated patience and compassion when explaining the process and next steps. Additionally, after giving me very...

Sherwin A. Williamstown, NJ 08094

In August, at age 79, we bought our dream house. In October we learned the sewer system was comletely destroyed and a sinkhole had formed under our house. We had only had our insurance with the Philadelphia Contributionship for 2 months when this happened. I checked our coverage with Karen...

Tori H. Camp Hill, PA 17011

The customer services was great, they listened to me , send the right people to assess the damage of my roof. The adjuster, promptly attended the claim and the check to do the repairs was processed very quickly. I would recommend The Philadelphia Contribution-ship, furthermore they are local and will...

George M. Middletown, DE 19709

See All Testimonials

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