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Claims

We’re with you at claim time

A claim is the moment your insurance matters most. When something goes wrong, call Melon first — we’ll guide you through every step and stay in your corner until it’s resolved.

You’re not on your own

A claim is easier with someone in your corner

Filing a claim can feel overwhelming — unfamiliar forms, phone menus, and questions you didn’t expect. As your independent broker, we translate the process, keep things moving, and make sure you’re treated fairly. You always have a real person to call.

How a claim works

Three steps, and we’re with you for all of them

1

Contact Melon first

Before anything else, reach out to us. We’ll make sure you’re safe, confirm what your policy covers, and tell you exactly what to do next — so you don’t make a costly misstep in the first few hours.

2

We help you file with the carrier

We help you report the claim to your carrier, gather the right documentation, and complete the paperwork accurately. No guessing which number to call or which form you need — we handle the details with you.

3

We advocate through resolution

We follow your claim as it moves, answer your questions in plain English, and press the carrier for a fair, timely outcome. We stay involved until your claim is resolved.

Before you call

What to have ready

Having a few details on hand helps us open your claim quickly. Don’t worry if you’re missing something — call us anyway and we’ll work through it together.

  • Your policy number — found on your declarations page or ID card.
  • Date, time, and a description of the loss — what happened, and where.
  • Photos or video of the damage or scene, if it’s safe to take them.
  • A police or fire report — if applicable, along with the report number.
  • Contact info for anyone else involved, including any witnesses.
Carrier claims contacts

Reporting a claim directly

Many carriers offer 24/7 claim reporting. If you’d like to report directly, use your carrier’s line below — then let us know so we can help from there.

[CARRIER NAME]

Claims line: [CLAIMS PHONE]

[CARRIER NAME]

Claims line: [CLAIMS PHONE]

[CARRIER NAME]

Claims line: [CLAIMS PHONE]

[CARRIER NAME]

Claims line: [CLAIMS PHONE]

Not sure which carrier holds your policy, or which number to call? Call Melon at [PHONE NUMBER] and we’ll point you to the right place.

After-hours emergency? If you have an urgent loss outside our normal business hours — a fire, a burst pipe, a serious auto accident — make sure everyone is safe and contact emergency services first. Then call Melon at [PHONE NUMBER]; if you reach our voicemail, leave a message and we’ll respond as soon as we can. For losses in progress, your carrier’s 24/7 claims line above can also open your claim right away.

Need to file a claim?

Reach out and a Melon advisor will help you report your claim, gather what you need, and stay with you until it’s resolved.

Contact Melon
or call us at [PHONE NUMBER]