When your car is damaged or your home suffers a loss, the aftermath can be overwhelming. Between cleanup, repair calls and the uncertainty of what comes next, it's easy to feel unprepared. As an NEA member understanding how to file an insurance claim matters — because when the unexpected happens, clarity can make all the difference.
This guide walks you through what to do, when to act and how the NEA Auto and Home Insurance Program could support you every step of the way.
When Should You File a Claim?
Whether it’s a fender bender or a flooded basement, not every incident requires an immediate call to your insurer. However, certain events almost always warrant action.
Auto insurance claims, could include collisions, theft, vandalism or damage from weather. A home insurance claim could apply to dealing with storm damage, fire, smoke, theft or other covered losses to your property.
If the cost of repairs far exceeds your deductible or if someone else is involved, it's smart to file. When in doubt, your insurance carriers claim representatives can help you determine if filing is the right move.
How to File an Auto Insurance Claim
Not sure how to file an insurance claim after an accident? Start by making sure everyone is safe, gather detailed photos of the scene and contact your insurance provider as soon as possible. If your insurance is through the NEA Auto and Home Insurance Program with Travelers you can report a claim 24/7/365 online or by calling 1-800-252-4633. If your insurance is with a different carrier please refer to your policy documents for claim contact information.
Step 1: Ensure Safety First
After an accident, check for injuries and move to a safe location. Call 911 and request a police report if needed.
Step 2: Document the Scene
Take clear photos or videos of all damage, including road conditions and vehicle positions. Collect the names and contact info of other drivers and any witnesses.
Step 3: Notify Your Provider
Contact your insurance provider promptly. Having details like the incident location, time and description ready can make the process more efficient.
Step 4: Work with Your Insurer
You should work with your insurer to assess the right path for your claim.
Step 5: Follow Up as Needed
Track your claim through your insurer’s app or website. Keep a personal folder of all documents, receipts and communications.
How to File a Home Insurance Claim
Wondering how to file a home insurance claim after a storm, fire or break-in? The process begins with safety and documentation, followed by prompt communication with your provider to ensure coverage and recovery move forward smoothly.
Step 1: Stay Safe and Prevent Further Damage
Turn off electricity or water if needed and avoid unsafe areas. Temporary fixes like tarping a roof or boarding windows may be necessary.
Step 2: Document the Damage
Take pictures and videos from different angles. Make a list of all damaged items and their estimated value.
Step 3: Contact Your Provider
Call your insurance provider to begin the process. Be ready to share receipts, invoices or contractor estimates if available.
Step 4: Meet With the Adjuster
The adjuster will assess your home, so prepare questions about what’s covered and what your next steps should be.
Step 5: Start Repairs and Keep Records
Once approved, work with licensed contractors and keep receipts for all repairs. If anything isn’t resolved, follow up with your representative.
Tips for a Smoother Insurance Claims Process
- Organize Everything: Keep all paperwork (photos, receipts, emails, etc.) in one place.
- Communicate Clearly: Use email or app updates to stay informed and ask for timelines.
- Know Your Policy: Review coverage limits, deductibles and exclusions before a loss happens.
- Avoid Common Pitfalls: Don’t delay your claim, discard damaged items or skip taking photos.
Support Built for Educators
Teacher insurance support from NEA Auto and Home Insurance Program affiliated carriers isn’t one-size-fits-all. You'll work with dedicated representatives who understand your schedule and needs. Whether you're figuring out how to file an insurance claim for the first time or just need reassurance about your next steps, your carrier can guide you through the process.
A Look at Real Member Scenarios
Auto Claim Example: A teacher is rear-ended on their way to school. They file an auto claim with an NEA Auto and Home Insurance Program affiliated carrier, provide accident photos and get a rental car while their vehicle is repaired — all within a few days.
Home Claim Example: A tree damages a roof during a windstorm. The member takes photos, files a home insurance claim with an NEA Auto and Home Insurance Program affiliated carrier and arranges repairs using their claim payout.
Property Damage Example: After a break-in, a teacher follows steps for how to file a property damage claim, replacing stolen electronics and getting reimbursed after submitting their inventory and receipts.
Prepare Ahead of Time
- Create a digital home inventory
- Review your policy annually
- Store contact and policy info in your phone
- Use mobile tools to speed up the insurance claims process
How to Start a Claim With the NEA Auto and Home Insurance Program
After confirming your carrier, you can begin your insurance claims support process online or by calling your provider. Once your claim is submitted, you’ll receive next steps, including any documentation or inspections needed. If your insurance is through the NEA Auto and Home Insurance Program with Travelers you can report a claim 24/7/365 online or by calling 1-800-252-4633. If your insurance is with a different carrier please refer to your policy documents for claim contact information.
