Please email pc.claims@wnins.com. It is important that you include only your 10-digit claim number in the subject line to ensure it gets to your claim file promptly.

You can also fax information to (952) 921-3153 or send information by mail to:
Western National Insurance
4700 West 77th Street
Edina, MN 55435-4818
***Please include your claim number on any documentation that is sent in.

1. Make sure your home is secure and take steps to mitigate the damage. We recommend you take photos of the damage.
2. Write a detailed list of all damaged or destroyed personal property. Do not throw out damaged property until you meet with an adjuster or receive permission from our office. Please note that it is your responsibility to protect your property from further damage.
3. In the event you have holes in your roof, walls, or broken windows, you should make arrangements to secure the structure and prevent further damage. Save any receipts for emergency repairs and provide them to your adjuster. It may be necessary to obtain the assistance of a contractor or handyman.
4. If a tree is laying on the roof or any structure on the property, it is your responsibility to arrange for the tree to be removed. We do request the tree be removed from the structure prior to the inspection. This allows our adjuster to thoroughly inspect the damage present. Contractors or tree trimming companies can remove trees from roofs. Refer to your policy for any coverage available for tree debris removal.
5. Please save any invoices / receipts and present those to the adjuster.

Please be aware that after a storm salespeople for out-of-town contractors may knock on your door asking to inspect your property for storm damage. We caution you not to sign any agreements, including agreements allowing the inspection of your property, prior to our inspection of the property. These agreements could legally require you to work with specific contractors or to pay for repairs not covered by your insurance policy. These agreements may include hidden penalty clauses that obligate you to pay the contractor even if you use a different contractor for the repairs, they may not specify a price for the repair work, or may include an assignment of your policy benefits to the contractor. If you decide to work with the contractor who knocked on your door, you can sign the contract after receiving the estimate from Western National. A reputable contractor should not pressure you into signing an agreement before receiving the insurance company’s estimate.

Once your claim is reported to Western National Insurance, you will be contacted by an adjuster. If your home requires inspection, we will assign a field adjuster who will contact you directly to schedule an appointment.

At Western National, we have desk adjusters who are your main point of contact throughout your claim. They will be able to answer any questions you have and make any coverage / payment decisions throughout the claim. We hire independent adjusters to perform property inspections. You should hear from the field adjuster within 48 hours of the desk adjuster initially contacting you. The field adjuster will schedule an appointment directly with you. If a field adjuster has not contacted you within 48 hours, please contact our office. The date of your inspection depends on the schedule of the field adjuster and your availability, so it is important you work with the field adjuster directly.

The field adjuster will inspect your property and take photos of the damage. We recommend you point out to the adjuster any areas of concern you have, such as damage to the exterior or interior of your home or any other structures (e.g., fences, sheds) or damage to personal property.

Please provide the field adjuster with any receipts, invoices, or additional information that is pertinent to your claim.

The field adjuster will inspect your property and compile a report which will include the photos that were taken and an estimate to complete the repairs. The report will be submitted to Western National, and it will be reviewed in the order it is received by the desk adjuster assigned to your claim. Once reviewed, you will be contacted to discuss the findings of the inspection and go over your coverage. We will provide you with a breakdown of the payment along with a copy of the adjuster’s estimate. Claim payments and associated paperwork will arrive separately.

Response times will vary depending on the number of claims recently submitted to Western National and recent major weather events.

We recommend you take time to review the paperwork in full and then, should you have additional questions, reach out to the Western National adjuster.

We are working as quickly as possible to process your claim. We hope to process your inspection report within seven days of receipt. However, following major weather events, response times will vary. Claims are processed in the order they are received.

When the payment for your claim is ready, we can issue checks by mail or process your payment as an Electronic Funds Transfer (EFT) to provide payment quicker. If you choose to receive an electronic payment, you will receive an email from our payment vendor, One, Inc., with instructions on how to provide a routing and account number. The initial EFT will take three to four days to process, but any future payments will process more quickly. If you choose to receive a physical check, please allow seven days for processing and mailing after the payment is issued.

We are required to include the mortgage company on payments for real property, such as your dwelling and outbuildings, as they have a financial interest in your home. Each mortgage company handles endorsement of checks differently. It is important you reach out to your mortgage company directly to learn about their specific endorsement procedures. The electronic payment option often speeds up the mortgage company approval process.

If you recently paid off your mortgage, if your mortgage company has changed, or if the mortgage company listed on your policy is incorrect, make sure to reach out to your agent to have your policy corrected. You should also notify your adjuster so there are no delays on the payment.

This policy is a contract between you and Western National Insurance. Western National requests communication from your contractor be completed through you, the policyholder. If you wish for the desk adjuster to speak directly to the contractor, we will need a copy of the signed contract with the contractor and verbal permission from you.

First, an estimate is just that – an estimate. We do our best to include all the damage in our report, but occasionally there are differences in the price or the scope of the repairs. We will provide you with a copy of our estimate of repair. Based on your policy, we owe for what is fair and reasonable for the repairs to your property. You are responsible for hiring a contractor. It may be advisable for you to obtain estimates from several contractors to compare to our estimate. You may provide a copy of our adjuster’s estimate to your contractor.

If you or your contractor disagree with any of the allowed repair / replacement figures, you must notify our office immediately as any repair of damages and estimated amounts not listed in our estimate require prior approval. The approval must be obtained before repairs are started. If approval is not obtained prior to repairs being done, you may be responsible for what is not approved based on the signed contract with your contractor.

Please also note that the price for repairs to roofing and siding are based on local market conditions including, but not limited to, a unit price per square.

Depreciation is the reduction in value over time and is calculated based on the type, age and life expectancy of the material being replaced. If you have replacement cost coverage on your policy, this depreciation is recoverable. This recoverable depreciation is deducted from your initial payment. You may make a claim for the recoverable depreciation once the repairs are complete. We require a final invoice for repairs showing the amount it cost to complete the repairs or replace the property. Recoverable depreciation may also be referred to as a “holdback”.

You may receive a resolved claim survey after the initial payment. This does not mean your claim is closed or that a holdback claim will not be honored.