Navigating the Insurance Claim Process

If an unfortunate event occurs and you need to file an insurance claim for damage to your property, we’ll be here to guide you through the process.

Here's what you'll need to do:

  1. Step 1

    Contact your insurance company and file a claim

    Your insurance company will assign an adjustor to assess the damage to your property and provide you with a Scope of Loss document (adjustor's estimate). Later, you’ll receive a claim check to cover the damages. As your lender, Navy Federal will be listed on the check along with you because of our financial interest in the mortgaged property.

  2. Step 2

    Contact Navy Federal

    Once you have your insurance claim check and Scope of Loss document from your insurance company, give us a call at 1-800-531-7174, ext. 46440, and select option 1. We’ll assign you a personal claims specialist, who will walk you through the process and advise you how the funds will be handled. Depending on the amount of damage to your home, funds could be released to you directly, or we may hold the funds and release them as repairs occur.

  3. Step 3

    Submit required documents

    You will need to submit some or all of the following documents in order for us to release claim proceeds:

    • Scope of Loss
    • Member Declaration
    • Repair Plan
    • Receipts/Invoices
    • Contractor Declaration
    • W-9 Form

    Most forms are available in our Insurance Claims Packet, along with more information and answers to frequently asked questions. Documents may be submitted via:

    • Mail: Insurance Claims Department, 820 Follin Lane SE, Vienna, VA 22180
    • Online banking: Sign in to navyfederal.org and send us an eMessage
    • Fax: 703-206-3865
  4. Step 4

    Complete Repairs

    Be sure to keep track of expenses and save your receipts to submit for review. We’ll check in with you periodically on the status of repairs and may schedule a mid-point inspection. Please contact your insurance claims specialist when everything is finished. If a final inspection is required, we’ll provide you with scheduling information. Once we’ve confirmed your repairs are complete and have received all required documentation, we’ll release any remaining funds to you.

Helpful Resources

Federal Disaster Assistance

In addition to your insurance claim check, you may qualify for federal aid if you live in a FEMA-declared disaster area.

Learn more about Federal Disaster Assistance

Disaster Recovery: A Resource for Homeowners

Ensure you're prepared for a disaster and find out what to do if one strikes.

Learn more about Disaster Recovery: A Resource for Homeowners

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