Filing A Claim

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Experiencing a loss or damage can be stressful, but filing a claim doesn’t have to be. At East Tennessee Mutual Insurance Company, we strive to make the claims process as smooth and straightforward as possible. Here are some general tips to guide you through filing an insurance claim.

Step-by-Step Guide to Filing a Claim

Remember, at East Tennessee Mutual Insurance Company, you’re not just a policyholder; you’re part of our community. We’re committed to supporting you through the claims process and helping you get back on your feet as quickly as possible.

As soon as you experience a loss or damage, get in touch with us. The sooner you report the incident, the quicker we can start processing your claim.

Collect all relevant information about the incident, including the date, time, and details of what happened. If applicable, take note of any injuries or witnesses.

Take photos or videos of the damage. This visual evidence is crucial for assessing your claim.

Take reasonable steps to prevent further damage, but only if it is safe to do so. This may include covering broken windows or turning off the water supply in case of leaks.


If you need to make immediate repairs or incur expenses to prevent further damage, keep receipts and records of all expenditures.

Fill out the claim form provided by us with as much detail as possible. Be thorough and accurate in your description of the incident and the extent of the damage.

A claims adjuster may be assigned to assess the damage and determine the extent of your coverage. Be available to answer their questions and provide any additional information or documentation they may need.


Familiarize yourself with the terms of your policy, including coverage limits and deductibles. This knowledge will help you understand what to expect from the claims process.

If anything is unclear at any point during the claims process, don’t hesitate to ask us. We’re here to help and ensure you understand every step.