REPORT A CLAIM


Fulfilling Our Promise to You

With our commitment to taking personal responsibility and pride in providing proactive, courteous, and fair service, Western National's professional Claims Staff continues to set the industry standard for policyholder satisfaction. From "fender-benders" and on-the-job injuries to full-scale catastrophe storm damage, Western National understands that providing quality claim service will always be the most important part of our promise to you.

Our Claims Staff is headquartered in our Edina, Minnesota office. We also have an extensive network of Claims Professionals to serve our policyholders in all states where we do business.


How to Report a Claim

Western National offers 24 hours a day, 7 days a week claim reporting.

To report a claim by phone, mail, fax, or online form, see the information below. We will respond to all claims reported outside of business hours within the next business day.

Automobile icon

Automobile Claim Form

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Property icon

Property Claim Form

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One-call convenience is our mantra for Auto Glass claims. In just one call, our Auto Glass Reporting Service allows you to verify coverage, schedule the repair appointment, and handle your bill (subject to any applicable deductible).

Call (855) 921–3164 at any time — 24 hours a day, 7 days a week — to reach our Auto Glass Reporting Service and be guided through the process.

Phone: (855) 921-3164
Email: newloss@wnins.com
Fax: (855) 921–5670 or (952) 921–5670
Online: Select either the Automobile Claim Form or the Property Claim Form above.
Mailing Address:
Attn: P&C Claims
Western National Insurance Group
P.O. Box 1463
Minneapolis, MN 55440-1463

When the unexpected happens and leaves you needing emergency roadside assistance, you can turn to Western National for help. The Roadside Assistance endorsements can provide a group of coverages that are valuable in emergency situations. To learn more about this endorsement, click here.

How to File a Bond Claim

Claim Reporting Information:

Western National Mutual Insurance Company is a super-regional mutual insurance company that writes thousands of surety bonds in 33 states. Therefore, we cannot provide specific information on every type of bond claim that may arise. However, we have supplied some key information for the most frequent surety claims we experience to help streamline your claim and ensure you understand the proper procedure. If the type of claim is not listed in one of the links below, please forward your claim information in writing to:

New Surety Loss
Western National Claims
P.O. Box 1463
Edina, MN 55440

Here are some important considerations when making a surety bond claim:

We will need:

  • A narrative explaining the problem and what resolution you are seeking
  • A copy of the contract between the parties
  • A list of all payments made and received as well as copies of checks or other evidence of payment
  • If you have filed a complaint with a governmental agency regarding this matter, please provide a copy of that complaint and any response received

During our investigation of the claim, it is likely we will need to request additional information from both the claimant and Principal.

Common Surety Bond Claims

To report a claim on any other type of bond, please contact us at:

Western National Mutual Insurance Company
Attn: Surety Claims Department
4700 West 77th Street
Edina, MN 55435

Email: Mark.Jordan@wnins.com

Upon receipt of a claim notice, the matter is assigned to a claims adjustor who will contact you. We then begin an investigation of the claim. A surety bond is a three-party agreement; we will notify the Principal of the claim being asserted and will request their position regarding this claim. Because each situation is unique, it is difficult to determine how long an investigation will take to complete. License Bond claims are regulated by statute. Western National Mutual Insurance Company’s policy is to meet or exceed all state regulations regarding the fair and equitable handling of these bond claims, considering the interests of both the claimant and Principal.

Phone: (855) 921-3164
24/7 Work Injury Nurse Line (Advocacy Help Line): (855) 607-7548
Email: pc.claims@wnins.com
Fax: (877) 862-8801
Mailing Address:
Attn: WC Claims
Western National Insurance Group
P.O. Box 1463
Minneapolis, MN 55440-1463

About the 24/7 Work Injury Nurse Line (video)

Preferred Provider Organization Lookup (PPO)

E-billing Information for Workers' Compensation and Auto Medical Bill Submission:
Mitchell Clearinghouse Electronic Billing - Connectivity issues and questions

Clearinghouse Name:
Jopari Solutions

eBill Enrollment and Customer Care Contact Information:
Phone: (800) 630-3060
Email: asupport@jopari.com

Mitchell Bill Review Customer Service - Questions on actual bill review services/reductions:
Phone: (800) 732-0153

Western National Claims - To obtain claim number/adjuster contact:
Phone: (800) 862-6070
Email: PC.Claims@wnins.com
Claim Number Format: XXXXXXXXXX

Mailing Address for Medical Bills:
Western National Insurance Group, c/o Mitchell
P.O. Box 2811
Clinton, IA 52733

DIRECT AUTO REPAIR PROGRAM


Direct Auto Repair Program

Western National’s Direct Auto Repair Program with Caliber Collision offers you excellent repair services with a national company, including auto glass repair and replacement, collision repair, and paintless dent repair. Caliber Collision works directly with you to schedule an estimate appointment, repair your vehicle, and arrange a rental car. They also take care of the billing process by sending the repair charges directly to Western National.

Caliber Collision offers state-of-the-art repair centers with Certified Technicians and a national written guarantee with a lifetime limited warranty. They have locations across the country, allowing you to work with them even if you’re in an accident out of state. If any additional repairs are needed, you can bring your vehicle to a local Caliber Collision location once you are home.

Western National only offers this program as an option for auto repair. Policyholders can work with any auto repair shop during the claim process.

CATASTROPHE CENTER


When a major storm hits, it can leave you with many questions. Our online Catastrophe Center is designed to provide some guidance on your insurance policy in the aftermath of a tornado, wind or hail storm, or other catastrophic event.

What to do Immediately After a Storm:

  1. Protect Yourself and Your Family
    • Keep calm, and stay in a safe place until the storm has ended.
    • Check the people around you for injuries. Begin first aid or seek help, if necessary.
    • When you go outside, watch for downed power lines.
  2. Protect Your Property
    • Make temporary repairs to prevent further loss from rain, wind, or looting. Keep the receipts for any supplies or materials you purchase as the costs may be reimbursable.
    • Keep receipts for additional living expenses, such as temporary housing. These costs may be reimbursable.
    • Make a detailed list of all damaged or destroyed personal property. We recommend you also take photos of the damaged property. Do not throw out damaged property until you meet with an adjuster or receive permission from our office.
    • Check utility lines and appliances for damage. If you smell gas, leave the building immediately and call 911.
    • After a storm, there may be people going door-to-door asking to inspect your property for storm damage. We caution you not to sign any agreements prior to our inspection of the property, as these agreements could legally require you to work with specific contractors or to pay for repairs not covered by your insurance policy.
  3. Report Your Claim
    • Western National offers 24 hours a day, 7 days a week claim reporting. For information on reporting a claim, click here.

For more information on the claims process, check out our Claims Process Guide.

WIND AND HAIL CLAIMS - FREQUENTLY ASKED QUESTIONS


Western National offers 24 hours a day, 7 days a week claim reporting.

To report a claim by phone, mail, fax, or online form, see the information under the "Report a Claim" tab. We will respond to all claims reported outside of business hours within the next business day.


Please email pc.claims@wnins.com. It is important that you include only your 10-digit claim number in the subject line to ensure it gets to your claim file promptly.

You can also fax information to (952) 921-3153 or send information by mail to:
Western National Insurance
4700 West 77th Street
Edina, MN 55435-4818
***Please include your claim number on any documentation that is sent in.

  1. Make sure your home is secure and take steps to mitigate the damage. We recommend you take photos of the damage.
  2. Write a detailed list of all damaged or destroyed personal property. Do not throw out damaged property until you meet with an adjuster or receive permission from our office. Please note that it is your responsibility to protect your property from further damage.
  3. In the event you have holes in your roof, walls, or broken windows, you should make arrangements to secure the structure and prevent further damage. Save any receipts for emergency repairs and provide them to your adjuster. It may be necessary to obtain the assistance of a contractor or handyman.
  4. If a tree is laying on the roof or any structure on the property, it is your responsibility to arrange for the tree to be removed. We do request the tree be removed from the structure prior to the inspection. This allows our adjuster to thoroughly inspect the damage present. Contractors or tree trimming companies can remove trees from roofs. Refer to your policy for any coverage available for tree debris removal.
  5. Please save any invoices / receipts and present those to the adjuster.

Please be aware that after a storm salespeople for out-of-town contractors may knock on your door asking to inspect your property for storm damage. We caution you not to sign any agreements, including agreements allowing the inspection of your property, prior to our inspection of the property. These agreements could legally require you to work with specific contractors or to pay for repairs not covered by your insurance policy. These agreements may include hidden penalty clauses that obligate you to pay the contractor even if you use a different contractor for the repairs, they may not specify a price for the repair work, or may include an assignment of your policy benefits to the contractor. If you decide to work with the contractor who knocked on your door, you can sign the contract after receiving the estimate from Western National. A reputable contractor should not pressure you into signing an agreement before receiving the insurance company’s estimate.

Once your claim is reported to Western National Insurance, you will be contacted by an adjuster. If your home requires inspection, we will assign a field adjuster who will contact you directly to schedule an appointment.

At Western National, we have desk adjusters who are your main point of contact throughout your claim. They will be able to answer any questions you have and make any coverage / payment decisions throughout the claim. We hire independent adjusters to perform property inspections. You should hear from the field adjuster within 48 hours of the desk adjuster initially contacting you. The field adjuster will schedule an appointment directly with you. If a field adjuster has not contacted you within 48 hours, please contact our office. The date of your inspection depends on the schedule of the field adjuster and your availability, so it is important you work with the field adjuster directly.

The field adjuster will inspect your property and take photos of the damage. We recommend you point out to the adjuster any areas of concern you have, such as damage to the exterior or interior of your home or any other structures (e.g., fences, sheds) or damage to personal property.

Please provide the field adjuster with any receipts, invoices, or additional information that is pertinent to your claim.

The field adjuster will inspect your property and compile a report which will include the photos that were taken and an estimate to complete the repairs. The report will be submitted to Western National, and it will be reviewed in the order it is received by the desk adjuster assigned to your claim. Once reviewed, you will be contacted to discuss the findings of the inspection and go over your coverage. We will provide you with a breakdown of the payment along with a copy of the adjuster’s estimate. Claim payments and associated paperwork will arrive separately.

Response times will vary depending on the number of claims recently submitted to Western National and recent major weather events.

We recommend you take time to review the paperwork in full and then, should you have additional questions, reach out to the Western National adjuster.

We are working as quickly as possible to process your claim. We hope to process your inspection report within seven days of receipt. However, following major weather events, response times will vary. Claims are processed in the order they are received.

When the payment for your claim is ready, we can issue checks by mail or process your payment as an Electronic Funds Transfer (EFT) to provide payment quicker. If you choose to receive an electronic payment, you will receive an email from our payment vendor, One, Inc., with instructions on how to provide a routing and account number. The initial EFT will take three to four days to process, but any future payments will process more quickly. If you choose to receive a physical check, please allow seven days for processing and mailing after the payment is issued.

We are required to include the mortgage company on payments for real property, such as your dwelling and outbuildings, as they have a financial interest in your home. Each mortgage company handles endorsement of checks differently. It is important you reach out to your mortgage company directly to learn about their specific endorsement procedures. The electronic payment option often speeds up the mortgage company approval process.

If you recently paid off your mortgage, if your mortgage company has changed, or if the mortgage company listed on your policy is incorrect, make sure to reach out to your agent to have your policy corrected. You should also notify your adjuster so there are no delays on the payment.

This policy is a contract between you and Western National Insurance. Western National requests communication from your contractor be completed through you, the policyholder. If you wish for the desk adjuster to speak directly to the contractor, we will need a copy of the signed contract with the contractor and verbal permission from you.

First, an estimate is just that – an estimate. We do our best to include all the damage in our report, but occasionally there are differences in the price or the scope of the repairs. We will provide you with a copy of our estimate of repair. Based on your policy, we owe for what is fair and reasonable for the repairs to your property. You are responsible for hiring a contractor. It may be advisable for you to obtain estimates from several contractors to compare to our estimate. You may provide a copy of our adjuster’s estimate to your contractor.

If you or your contractor disagree with any of the allowed repair / replacement figures, you must notify our office immediately as any repair of damages and estimated amounts not listed in our estimate require prior approval. The approval must be obtained before repairs are started. If approval is not obtained prior to repairs being done, you may be responsible for what is not approved based on the signed contract with your contractor.

Please also note that the price for repairs to roofing and siding are based on local market conditions including, but not limited to, a unit price per square.

Depreciation is the reduction in value over time and is calculated based on the type, age and life expectancy of the material being replaced. If you have replacement cost coverage on your policy, this depreciation is recoverable. This recoverable depreciation is deducted from your initial payment. You may make a claim for the recoverable depreciation once the repairs are complete. We require a final invoice for repairs showing the amount it cost to complete the repairs or replace the property. Recoverable depreciation may also be referred to as a “holdback”.

You may receive a resolved claim survey after the initial payment. This does not mean your claim is closed or that a holdback claim will not be honored.

FLOOD AND SEWER BACK UP - FREQUENTLY ASKED QUESTIONS


Western National offers 24 hours a day, 7 days a week claim reporting.

To report a claim by phone, mail, fax, or online form, see the information under the "Report a Claim" tab. We will respond to all claims reported outside of business hours within the next business day.


  • If possible, identify the source of the water. If the water is coming from the sump pump, determine if the sump pump is working or requires repair or replacement. Replace the pump as needed.
  • Properly remove the water. You may want to consider contacting a water mitigation company to assist with this process. Water mitigation should begin as soon as possible. Proper dry out is key to avoid further damage.
  • Take photos of damage before removing any damaged materials or personal property.
  • No, that is a maintenance issue that is not covered.
  • Typically, a homeowner’s insurance policy excludes coverage for water damage such as flood, surface water, or ground water that seeps or leaks through walls or foundations as well as water that backs up or overflows from sewers, drains, or sump pumps.
  • However, check your policy declarations page to see if you have coverage for “Water Back Up and Sump Discharge or Overflow” or “Limited Water Back-Up and Sump Discharge or Overflow Coverage”. The endorsement lists a specific limit of insurance on the declarations page. This may provide you with limited coverage for damage that is the result of the back up of a sewer or drain or overflow of a sump pump.
  • We may conduct a physical inspection or a virtual inspection to verify the cause and the scope of your damage.
  • If your sump pump or related equipment requires replacement, you may complete the repair/replacement. Please note, the endorsement does not include coverage to replace the sump pump or related equipment.
  • Coverage for Additional Living Expenses apply when the home is not able to be occupied because of a covered cause of loss. If the home cannot be occupied due to a covered loss for sump pump overflow or back up of a sewer, you have coverage for your additional living expenses, but only up to the policy limit listed on the declaration’s page. The applicable limit applies to all loss or damage to your home, personal property or additional living expenses related to your occurrence.
  • A claims representative will contact you to discuss the loss and determine if an inspection is needed.
  • We may request photos of the damage from you.
  • We may offer you the option of a virtual inspection. This can be done using a smart phone and often provides an expedited service.
  • If we require an onsite inspection, we will assign an independent adjuster to contact you to schedule an inspection. You should hear from an adjuster within 48 hours. The field adjuster will schedule an appointment directly with you. If you have not heard from your field adjuster within 48 hours, please contact our office. The date of your inspection depends on the schedule of the field adjuster and your availability, so it is important you work with the field adjuster directly.
  • The field adjuster will inspect your property and take photographs of the damage. We recommend you point out any areas of concern you have such as damage to carpeting, walls, or personal property. Please provide the field adjuster with any receipts, invoices or additional information that is pertinent to your claim.
  • The adjuster will inspect your property and compile a report which includes the photos that were taken and an estimate to complete the repairs. That report will be submitted to Western National, and it will be reviewed in the order it is received. Once reviewed, you will be contacted to discuss the findings of the inspection.
  • If your claim is covered, we will provide you with a breakdown of the payment along with a copy of the adjuster’s estimate. Claim payments and associated paperwork will arrive separately. Response times will vary with claim volumes/catastrophe events.
  • If your claim is not covered, we will explain the specific policy language that applies and provide you with a copy of that in a letter.
  • We recommend you take time to review the paperwork in full and then, should you have additional questions, reach out to the adjuster.

Please email pc.claims@wnins.com. It is important that you include only your 10-digit claim number in the subject line to ensure it gets to your file promptly.

You can also fax information to (952) 921-3153.

Mail:
Western National Insurance
4700 West 77th Street
Edina, MN 55435-4818
***Please include your claim number on any documentation that is sent in.

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