Farmers Claims Help

Filing a water, fire or mold claim with Farmers?

Farmers is a major California home insurer, and sudden water damage is one of the most frequent home claims its policyholders file. iDri helps Farmers policyholders through the claim, documents the full loss to IICRC standards, and bills Farmers directly, working for you. Serving the San Fernando Valley and Ventura County.

Call iDri (818) 564-5615 How to file

We bill Farmers direct·We work for YOU, not Farmers·24/7 response

Quick reference

How to file a Farmers claim.

By phone

Farmers claims line
1-800-435-7764
The Farmers Claims Center is open 24 hours a day, 7 days a week.

Online

File and track your claim at
farmers.com/claims

Mobile app

File, upload photos and track your claim in the Farmers mobile app.

The process

What to expect after you file.

01
Report the loss
Call the Claims Center, file online, or use the app to open your claim and set an initial appointment.
02
A claim representative is assigned
Your representative contacts you to go over your coverage and how it applies to the loss.
03
The damage is reviewed
Farmers reviews the damage, sometimes remotely with photos or video, and sometimes with an on site inspection.
04
Settlement, less your deductible
For covered losses, Farmers arranges payment, less your deductible.

Know your coverage

Understanding your deductible.

Your deductible is set in your own policy, not by the carrier, so there is no single number that applies to everyone. It is the amount you pay before coverage kicks in, and your settlement is paid out less that amount.

A flat deductible is a fixed dollar amount, often somewhere from 1,000 to 2,500 dollars.
A percentage deductible is a percent of your dwelling coverage, common for wind, hail and wildfire.
You will find your exact deductible on the declarations page of your policy.
Water damage usually falls under your standard deductible, while wind or wildfire may carry a separate one.

Your California rights

What California law gives you.

Your insurer must acknowledge your claim within 15 days under California's Fair Claims Settlement Practices Regulations.
They must accept or deny your claim within 40 days of receiving the documentation they need.
You have the right to choose your own restoration contractor. The insurer can recommend one, but the choice is yours.
You can hire your own help, such as a public adjuster, if you and the insurer disagree on the loss.

How we help

How iDri handles your Farmers claim.

First, the part that matters most. We work for you, not Farmers. Our job is to make sure your claim reflects the real damage, not the smallest number that closes the file.

Documented to standard

We document your Farmers loss to the IICRC standard, with moisture readings, photos and a defensible line item scope.

We deal with the adjuster

We communicate with your Farmers claim handler and speak their language, so the process moves and the scope holds.

Billed to Farmers directly

We bill Farmers directly for the covered work, so you are not floating the cost or chasing paperwork.

On your side

We work for you, not Farmers. Our job is to make sure your claim reflects the real damage.

We are a restoration contractor, not a public adjuster or an attorney. We document and bill your claim. For a coverage dispute, those professionals rely on exactly the kind of documentation we provide.

Smooth claim

Tips for a smoother claim.

Photograph and video everything before you clean up or throw anything away.
Do what you reasonably can to stop further damage, which is your duty under the policy, and keep the receipts.
Do not discard damaged materials until they are documented, since they are evidence of the loss.
Write down every call, who you spoke with, and what was said.
Get your own independent documentation of the damage, not only the insurer's.
Call iDri early, so the loss is documented to standard from day one.

Questions

Farmers claims, answered.

What is the Farmers claims phone number?

The Farmers Claims Center is 1-800-435-7764, available 24 hours a day, seven days a week. You can also file online at farmers.com or in the Farmers mobile app.

How do I file a Farmers home claim?

Call the Claims Center, file online, or use the app. Keep your first report factual, get your claim number, and photograph the damage before any cleanup.

Does Farmers cover water damage?

Sudden and accidental water damage, such as a burst pipe, is typically covered. Gradual leaks, seepage and outside flooding usually are not, and flood needs a separate policy. Check your own policy, since coverage varies.

Do I have to use Farmers' preferred contractor?

No. In California you choose your own restoration company. Farmers can recommend a vendor, but the choice is yours, and you can choose iDri.

How long does Farmers have to handle my claim?

Under California's Fair Claims Settlement Practices Regulations, your insurer must acknowledge the claim within 15 days and accept or deny it within 40 days of receiving the documentation it needs.

Have a Farmers claim and damage to handle?

Call iDri. We document the loss, deal with your Farmers adjuster, and bill them directly, across the San Fernando Valley and Ventura County.

Call iDri (818) 564-5615or call our toll-free line 800-806-iDri (4374)

iDri Restoration is an independent restoration contractor and is not affiliated with, endorsed by, or approved by Farmers. Farmers and related marks are the property of Farmers Insurance Group. All carrier names and marks are the property of their respective owners. Contact details are provided as a resource and may change, so please verify them with Farmers directly. This page is general information, not legal, financial or coverage advice.