Home Insurance Property Claims

  1. Be safe

Make Personal Safety Your First Priority

Always remember:

  • Stay out of your home if it has been severely damaged.
  • If your home has been broken into, contact the police immediately to file a report and fix or replace your locks.
  • If there’s been a fire in your home, avoid breathing ashes and soot by covering your nose and mouth with a handkerchief or face mask.


  1. Call us. File a claim, we’re here for you: (800) 486-4405

Be ready to provide the following:

  • What happened?
  • Where is the damaged property?
  • How extensive is the damage?
  • Are temporary repairs needed?
  • If the authorities were contacted, which department responded and what is the report number?
  • Your current contact information and the best time to reach you?

In the event of theft, your claims representative will ask you for a list of missing items, along with any receipts for those items, if you have them. Photographs, videos, owner’s manuals, serial numbers and credit card statements are useful to document personal belongings that may have been damaged or stolen.

If you have a home inventory, it is best to keep in a location other than your home, such as with a relative or in a bank safe-deposit box.


  1. Prevent Further Damage

Safeguard Your Home

This is a team effort. We’ll do our part. But we need you to help out by taking some steps to protect yourself and your property from further damage.

  • Board up broken windows and doors.
  • Cover roof damage with tarps or plywood and remove debris.
  • Save all receipts from temporary repairs.
  • If possible, place any damaged items in a safe and secure area where they can be inspected later.
  • Do not attempt to clean fire or smoke damaged items. Cleaning without the proper equipment can make it worse.
  • Do not discard or haul away any items until discussing with your claim adjuster.


  1. Repair Your Home

Get an Estimate. Get it fixed.

Please wait until a claims adjuster assesses the damage before starting permanent repairs.  We encourage you, however, to schedule permanent repairs as soon as possible.  Find a local, licensed, bonded and insured contractor.

Home Improvements – To Upgrade or Not to Upgrade
Insurance will replace damage items and materials with the same type and quality of materials you had before your home was damaged. For example, if you had a fiberglass roof, we will pay to repair or replace the damage area with fiberglass, but we won’t pay to replace it with more expensive slate tile.  If you decide to upgrade your house with better or more expensive materials, you’re welcome to do so, but you’ll need to pay the additional expense out of your own pocket.

Anytime you make improvements to your property, be sure to talk to your insurance agent to find out if your coverage is still enough, and if you’re eligible for any home insurance discounts.


Earthquake Insurance Claims

  1. Be Safe

Make personal safety your first priority

  • Be prepared for aftershocks.
  • Stay out of damaged buildings.
  • Watch out for broken glass, sharp objects and exposed electrical wires.
  • Listen to the radio for up-to-date information.
  • Stay out of your home if it is severely damaged.
  • Don’t go back inside your home until local authorities say it’s safe for you to do so.

Check for Damage

  • Check gas, electric and sewage systems, and your chimney.
  • If gas is leaking, turn it off at the main shut-off valve, leave the building immediately and call a professional service.

Drive with Extreme Caution

  • Watch out for downed power lines and debris.
  • Be aware that bridges and roads may be weakened and damaged.


  1. Call us. File a claim, when it’s safe to do so: (800) 486-4405

Be ready to provide the following information:

  • Where is the damaged property?
  • How extensive is the damage?
  • Are temporary repairs needed?
  • If the authorities were contacted, which department responded and what is the report number?
  • Your current contact information and the best time to reach you?

Be prepared to provide as much detail as possible about damage caused by the earthquake. If possible, take photographs and videos of your damaged property and belongings. This can help expedite the claims process.  Serial numbers, owner’s manuals and credit card statements can also be used to help document personal belongings that may have been damaged, lost or stolen.

We will do our best to contact you within 72 hours after you file your claim to discuss what happens next. If you experienced serious earthquake damage, we will make every effort to get to you as soon as possible.


  1. Prevent Further Damage

Protect Your Home

  • It’s important to take some steps to protect yourself and your home from further damage after an earthquake. Clean up broken glass and remove debris.
  • Board up broken windows and doors.
  • Cover any roof damage with tarps or plywood.
  • If possible, put damaged items in a safe, secure area where they can be inspected later.
  • Save all receipts from any temporary repairs.


What to do After Minor or Major Water Damage

Leak or Indoor Flood

It’s happened. There’s water everywhere- in your walls, under your carpets and soaking into your belongings. Whether caused by a burst pipe, a broken water heater or flood, there are things you can do immediately to salvage belongings and limit damage or loss.

Call us.  File a claim, we’re here for you: (800) 486-4405

  1. Be Safe

Make Safety Your First Priority

  • In a serious water even, turning off the power or natural gas might be necessary to ensure the safety of yourself and your family. In the case of a minor water leak or drip, there probably isn’t a need to shut off the utilities.
  • Do not use electrical equipment or appliances while standing on wet carpet or floors.
  • Never use electrical equipment that has been water damaged, even if you are using it in a dry area.
  • If water is flowing in your house there may be dislodged materials such as nails. Snakes and other vermin may seek shelter in your home after a storm or flood, so watch out.


  1. Stop the Leak or Drip

Prevent Further Damage

  • If the water is coming from a burst or leaking pipe, try to find the closest shut-off valve and turn it off.
  • If water is coming in through the roof or broken windows, try to cover as best you can with tarps or plastic sheeting.


  1. Document the Damage

Take Note

  • Take photos and videos.
  • Save all damaged items. Your claims representative may want to inspect them.
  • Keep a list of temporary repairs you make.
  • Save all claim-related bills and receipts.


  1. Protect Your Belongings

Clean Up

  • Move wet items to drier areas.
  • Place aluminum foil, coasters or wood blocks between furniture legs and wet carpeting.
  • Remove area rugs from the floor. Dyes in carpets can stain flooring, carpeting and wood floors.
  • Carpets can shrink after they’ve become wet and left to dry out. If you remove the tacks from wet wall-to-wall carpet, it will probably shrink after it dries out and no longer be wall-to-wall carpet.  Consult a carpet specialist for help.  Do not discard until you discuss with a claim adjuster.
  • Clean up as much water as possible by mopping or blotting with towels.
  • Clean your clothing, linens and other washables that have been soaked as soon as possible.
  • When safe to do so, use fans to circulate air and encourage drying. This is especially important in the first 24-48 hours after an indoor flood.


  1. Get it Fixed

  • The sooner you file a claim to report damage, the sooner we can help you get your home and life back to normal.
  • After reporting your claim, you can use a water mitigation supplier of your choice to fix the damage. Talk to your claims representative about which option is best for you and how to proceed.


Important Things to Consider

  1. You need to take an inventory of your home

  • Photo, convenient if you use your cell phone (which is immediate)
  • A Inventory List
  • Video (which is immediate)
  • All of the above should be kept off premises. If possible this needs to be updated every 6 months.
  1. Every six months to a year evaluate your home, look outside for trip and fall hazards. Also, tree trimming, roof repair, leakage in shower and sinks.

  1. Consider a Term Life policy to cover your mortgage.

  1. If you have business personal property this should be discussed with an agent to ensure proper coverages and limits. There are internal limitations in all homeowners’ policy for business personal property and other items; business computer.

  1. If you have a house inservant (30 hrs. a week) or outservant (10-20 hrs. a week) additional coverages are needed. Call your agent to clarify.


  1. The following have special limitations, for theft losses or in some cases, other perils. If you have questions on any of these items call your agent to discuss:

  • Jewelry, Precious Stones and Gold
  • Furs
  • Coin, Stamp Collection
  • Silverware
  • Guns
  • Money
  • Baseball Card Collection, Memorabilia
  • Fine Arts and Oriental Rugs
  • Discuss Sentimental Items with Economic Value


  1. It is always good to reflect on items that are of exceptional value that you want covered by your homeowners policy. Call or read policy to clarify coverages.

  1. Liability exposure for serving as a board member, charity organization, non-profit in addition to a corporate board should be discussed with your agent.

  1. Any other property or vacant land should be discussed for coverage with an agent.

  1. A second residence or dependent child living away from premises should be discussed.

  1. Simply, any concern you have about coverage.

Accident Checklist

  • Get help for the injury
  • Call the police. Remain at the scene of the accident
  • Warn oncoming traffic. Set hard lights and flares.
  • Try to remain calm
  • Do not admit fault
  • Exchange names, addresses, phone numbers, makes of vehicles, license numbers and insurance company/policy number information with all drivers.
  • Get names, addresses, and phone numbers of all passengers and witnesses. (Form enclosed)
  • Sketch the accident. (Form enclosed)
  • Examine and record damage to other vehicles and property.
  • If you are carrying a camera, take pictures of the scene and damage
  • Do not discuss the accident. Only answer questions asked by police and your claim representative.
  • The same goes for signing documents.


How to file a claim:  You can contact us 24 hours a day at (805) 486-4701 option #2

See What Our Customers Are Saying

  • Brian, thank you so much for getting back to me so quickly and keeping an eye on my policy. This is why I “love” working with Jones and Maulding – Belinda

  • Shannon, you have given me excellent service for many years.

  • Carol, Thanks for all your help and care.

  • Brian, you must really know your job, because you are really good. And you’re so helpful too.

  • Having Ellen as our agent is like having an employee in our office taking care of our insurance for us

  • Ellen it’s fun working with you because you are so on top of everything – Steven

  • Shannon has always taken my calls graciously or greeted me with a warm smile each time I’ve discussed concerns or issues in person, going an extra mile to answer them to my satisfaction – Dianne

  • Carol, thanks for all your help. I was able to use online docusign at mercury website so here is my docusign doc that theoretically mercury already has – Carol

  • Brian, we are really excited to be working with you and we wanted to take the time to say thank you for being so patient and explaining every detail/option to us – Brittney & Ryan

  • Ellen, we are so fortunate that we get to do business with such an amazing, smart and wonderful gal, who we love too! – Jodi

For Insurance In California And Nevada, Contact Jones & Maulding Today!

(800) 486-4405