Report an Insurance Claim

Our insurance claims team lives and works right here in Virginia — because a local human connection makes all the difference during a difficult situation. That's not rocket science, it's just what neighbors do. If you need to report a claim, use the most convenient channel for you:

PHONE: 24/7 NNINS Claims Hotline: 877-968-7252

ONLINE: Log into your member account to report claim

NNINS OFFICE HOURS: Monday-Friday, 8:00 AM - 5:00 PM, 1-800-552-8660

 

Do you have a question about claims or property damage? Check out our FAQ page for answers and other useful information!

 

• What is the Home Insurance Claim Process?

  	1. Let us know how we can help Your safety is most important. Call 911 first if there are any injuries. If you have damage to your home that requires immediate attention, let us know when you report your claim. We have adjusters ready in case an emergency response or temporary housing is needed.
  	2. Tell us about your home insurance claim Report your claim by calling our 24/7 Claims Hotline: 877-968-7252. You can also report your claim to your local independent agent. If you have a fire loss, we will assist with fire and water mitigation. If your home is unlivable, we will assist with temporary housing options.
  	3. We'll review the details A claims specialist will be assigned to your case and will be in touch with you soon.  Our home claims team will review preliminary details about your claim. We will determine if your loss needs to be physically inspected by our field team.
  	4. We'll find the best solution for your home insurance claim We will confirm the facts about the loss, explain your coverages, and answer any questions. Our goal is to pay you for covered losses as quickly as possible.
  	5. We'll pay for your covered home and property damage Payment will be made to you, you and your mortgagee, or you and the contractor responsible for repairs.

• What is the Car Insurance Claim Process?

  	1. If you need roadside help Roadside Assistance has been replaced with Towing and Labor Coverage as of 4/19/24. Our new Towing and Labor Coverage has a limit of $75 per occurrence. You may use the vendor of your choosing and submit a claim with your towing receipt for reimbursement. You also may elect to remove or add this coverage from your policy by contacting your independent agent
  	2. Tell us about your auto claim Report your claim by calling our 24/7 Claims Hotline: 877-968-7252. You can also report your claim to your local independent agent. We'll contact you for more information, photos, and accident details.
  	3. We'll review the details A claims specialist will be assigned to your claim and will be in touch with you. We'll confirm the facts about the accident, explain your coverages, and answer any questions you may have. If other cars are involved, we'll determine who was responsible for the accident.  We'll provide you with options for obtaining the vehicle repair estimate.
  	4. We'll find the best solution for your car insurance claim If your car is repairable, we'll determine the repair costs and help you work with the repair shop of your choice. When rental coverage applies, we'll work with the rental car company in your area to get you in a replacement vehicle.  If the vehicle is a total loss, we'll ask you to remove your personal items from the car before taking it to our storage facility.
  	5. We'll pay for your covered car damage Payment will be made to you, the lienholder, or your repair shop.
  	6. We'll pay for your covered car damage for others If you are responsible for the accident, we'll settle the damages owed to others involved within your policy limit.