Dealing with hurricane damages can be overwhelming, but knowing how to handle an insurance claim can lighten the burden. We have provided a guide below on how to file a claim successfully, either for your home or for your vehicle.
1. Make sure you have the necessary documentation available.
To file a Home Insurance claim
- Policy number
- Physical address of the property
- Phone number and email of the contact person
- Thorough photographs or videos of the affected areas in the property
- Detailed description of the loss claimed
- Estimate of damages for your home repairs
- Copy of the most recent appraisal or valuation report for your home
- Detailed and itemized inventory of damaged property, including quantity, description, and value (for claims involving loss of contents or personal property).
- Cost estimates, invoices, or payment receipts substantiating the claimed amounts
- Name of bank or creditor and loan or contract number of insured property
- Any other documentation or physical evidence that may help support your claim or prove the value of the damages suffered
To file an Auto Insurance claim
- Vehicle license
- Driver’s license
- Estimate for repair (optional)
- VIN number
- Mileage
- License plate number
- Vehicle tag
- Photos of the vehicle in a well-lit area, showing:
- Damages from 8 feet away
- Damages from 1 foot away
- Photographs from 4 different angles
2. Where to report your loss
Once you have all the required documents and information, you can file a loss report through the following channels:
Triple-S Propiedad Portal
Go to ssspropiedad.com.
Triple-S Propiedad App
Download the Triple-S Propiedad application to your mobile device.
Claims Call Center
Call 787.707.7240, available Monday through Friday, from 8:30 a.m. to 5:00 p.m.
Service Centers
You may also visit our service centers, with locations in:
- San Juan
- Caguas
- Mayagüez
- Arecibo
- Ponce
3. What happens after you file your claim?
- A claim number is assigned. After you report your loss, you will be assigned a claim number for future reference.
- The documentation is evaluated. Our claims department will review the submitted documentation to check that the information is complete.
- An adjuster is assigned. The adjuster will assess the damages and the estimates for the repairs or replacements required.
- Adjuster report. The adjuster will file a report, which will be shared with you, showing the damage estimate and the payment allocated pursuant to the provisions, terms, and coverage of your policy.
Filing a claim may seem complicated, but if you follow these steps and make sure that your payments are up to date and that you have all the necessary documentation, it will be easier for you to file and receive the assistance you need to recover your home or vehicle after a hurricane.
