To file a Homesite home insurance claim, you can call 1-866-621-4823 and choose Claims from the menu, or log in to (or create) your online account and submit the claim there. Homesite says the most important thing is to notify it promptly. Once the claim is reported, Homesite contacts you with more information about the claim and the claim process.
General information, not legal advice. Integrity Roofing and Painting is a roofing contractor. We are not affiliated with Homesite Insurance and do not file, negotiate or settle claims. Your policy and Homesite Insurance decide coverage.
How to report a home claim to Homesite Insurance
| Channel | Details |
|---|---|
| Phone | 1-866-621-4823, then the Claims menu option |
| Online | Your Homesite online account |
| Through an agent | A sales agent can pass your loss details to Homesite |
Who does what on a Homesite claim
Homesite’s FAQ is unusually clear about the roles involved:
- Desk adjuster. Your main contact through the claim. Desk adjusters make coverage determinations, sometimes with supervisors, and issue checks or letters explaining a denial.
- Field adjuster. If the damage needs a home inspection, a field adjuster contacts you to schedule it and writes the estimate. The desk adjuster then compares that estimate with your policy, and if the loss is covered, reviews the settlement with you and sends a copy of the estimate.
- Independent adjusting company. Homesite may assign the claim to an independent firm it hires to do the desk and field work. That firm schedules the inspection, writes the estimate and discusses the settlement with you. If you need help reaching it, Homesite’s claims department is at 866-621-4823.
- Insurance producer. A sales agent can pass your loss details to Homesite but cannot decide coverage.
Homesite also notes that you may hire a public adjuster, who is paid by you, and that a contractor who advocates or negotiates with the insurer or gives coverage advice may be acting as a public adjuster and need a state license. In Colorado and Texas, a roofer cannot act as a public adjuster.
Your responsibilities after a loss
Homesite lists what it expects from you:
- Notify Homesite promptly.
- Take reasonable steps to protect the home from further damage. On a roof, that is usually a tarp.
- Inventory and photograph the damage wherever possible.
- Save all receipts for your adjuster, who decides whether those expenses are covered.
- If someone else’s property or an injury is involved, give names and contact details for anyone present or with information.
For condominiums, Homesite says to notify the association right away, because the master policy is usually primary for exterior and common areas.
Withheld depreciation, explained by Homesite
In some settlements Homesite withholds part of the payment, depending on the loss settlement section of your policy, to make sure the damage is actually repaired or replaced. That amount is recoverable depreciation, based on the reasonable amount actually paid to repair, rebuild or replace. To recover it, send your adjuster copies of invoices and receipts plus proof of payment once the work is done. Homesite adds that the requirements vary by state and urges you to read your policy and endorsements. Not every claim involves recoverable depreciation, and your adjuster will tell you if yours does.
Contractors and the scope
Homesite says the choice of contractor is yours. Whoever does the work, the estimate the field adjuster writes is the document everything else is measured against. We inspect the roof, photograph every slope and component, and write a scope you can set beside that estimate, so nothing gets missed in the scope. Questions about coverage go to your desk adjuster.
State rules that apply to a Homesite Insurance claim
Colorado. The Colorado Division of Insurance regulates home insurers. C.R.S. 10-4-110.8(10) requires your insurer to send a copy of your policy, with the declarations page and endorsements, within three business days of your request, or a certified copy within 30 days. Before issuing or renewing a replacement cost policy, the insurer must offer law and ordinance coverage of at least 20% of the dwelling limit, which pays the added cost of meeting current building codes, subject to your policy. A homeowners policy cannot cut the time to sue below the statute of limitations, and claim handling must follow the unfair practices rules in C.R.S. 10-3-1104(1)(h). DOI Consumer Services: 303-894-7490.
Texas. The Texas Department of Insurance (TDI) says your company has 15 business days (about 3 weeks) to acknowledge a claim and 15 business days after it gets what it needs to decide, with a written reason for any rejection. It can take an extra 45 days if it tells you why. Insurance Code 542.057 then gives it 5 business days to pay. Before suing over hail or wind damage, Insurance Code 542A.003 generally requires written notice at least 61 days ahead. Your policy sets your own reporting deadline. TDI Help Line: 800-252-3439.
More detail for both states is on our insurance carrier guide hub.
What to have in hand when you call
- Your policy number and the declarations page, including the wind and hail deductible.
- The storm date, and photos taken from the ground or from inside.
- Receipts for any tarp or emergency repair, and your mortgage company's name.
Where a roofer fits
The claim is between you and Homesite Insurance. We are a veteran-owned, family-run roofer, in business since 1990 (more than 35 years), with 650+ Google reviews. Our part is the roof: we inspect it, photograph it, write a line-item scope, and make sure nothing gets missed in the scope you hand your adjuster. Colorado offices: (719) 488-2800 (Colorado Springs) and (303) 209-0152 (Denver). Austin office: (512) 610-5897, serving the Austin area from Round Rock and Cedar Park to Kyle and San Marcos. We respond the same business day. See a free inspection in Colorado or a free inspection in Austin.
Checked October 21, 2026 against these official sources: Homesite, FAQ answers; Homesite, File a claim; Progressive, Property claims numbers (lists Homesite). Phone numbers and processes change, so confirm against your declarations page.
