FAQ Category: Claims FAQs

Please contact Safelite at 1-888-843-2830.

If you are involved in an accident or are the victim of a crime, you will need to file a police report at the time of the incident. This is particularly helpful for claims involving injury, when multiple parties are involved, or when fault is unclear.

For emergency repairs, like when a water line breaks in your home, please take care of the problem immediately so you and your family are safe. You should also undertake all reasonable and necessary measures to protect your property from further damage. Save all receipts and invoices for this work and take multiple photographs throughout the process. For Emergency Claims Requiring Immediate Attention, please contact a Cumberland Claims Representative at 856-451-4050.

Your policy determines whether and to what extent an incident is covered. If you are not sure, we recommend you report the claim to us. Our claims representative will discuss your coverage with you.

Every policyholder’s claim, claim history, and situation is unique, so depending on your circumstances, your premium may be affected. If you are concerned, don’t hesitate to discuss with your agent.

You should report the claim immediately and provide a copy of any documents you have received notifying you of the claim. You should not discuss the circumstances surrounding the claim with anyone other than your attorney or a representative of your insurance company.

Regardless of who was at fault, you’ll pay a deductible for certain coverages. However, during the claim investigation, if the facts indicate there’s a chance to recover payment from the person responsible for the damage, we’ll attempt to recover the costs, including your deductible. If we aren’t successful, you have the option of trying to recover the deductible on your own.

Your deductible is the amount you’ve agreed to pay out of your pocket before Cumberland pays for any covered claim. Here’s an example: Assume you have $2,000 worth of covered damage and you chose a $500 deductible applicable to that coverage when you bought the policy. In this scenario, you pay the first $500, and Cumberland Mutual pays the rest.

Every claim is unique, and there are many different factors that could affect how long it takes to resolve your claim. Keep in mind that even though filing a claim is probably a rare event for you, our claims team is made up of experienced professionals who work with issues similar to yours day in and day out. We’ll always do our best to resolve your claim efficiently.

The best way to get information on your claim is to contact the Claim Adjuster or Analyst assigned to your claim. If you do not know the name of your adjuster, you may contact our home office at 856-451-4050 for assistance. When calling, please have your policy number available.

To Report a Claim Online: Fill out this form

To Report a Claim by Phone: Please contact Cumberland Mutual directly at 856-451-4050. You may also report your claim to your Independent Insurance Agent who will be able to assist you. If you do not know the name or number for your agent, you may contact our home office at 856-451-4050 for assistance.

For Emergency Claims Requiring Immediate Attention after Hours: Please contact Cumberland Mutual directly at 856-451-4050.