Submit a Claim

If you have a claim to report, what should you do?

Anytime a loss occurs or an insured becomes aware of anything that indicates there might be a claim made on the policy, the insured must:

  • Promptly give your agent or us notice (in writing if requested).
  • Notify the police when the act causing the loss is also a violation of law.
  • Notify the credit card company, if the loss involves credit cards.

Eastern Mutual will investigate, adjust and pay all valid, insured claims as promptly as possible. Our Claims Staff and network of Independent Adjusters will contact the insured or claimant within a 24 hour period to ascertain the facts of the loss and schedule an appointment to inspect the damages. Our company goal is to inspect and evaluate damages, determine coverage and reimburse the insured or claimant in a timely manner and in accordance with the terms and conditions of your policy. We will also advise the insured of non-covered damages and vigorously pursue fraudulently reported claims as required by NYS Regulation.

In the event of a loss, Policyholders should:

  1. Contact the Police and/or Fire Department immediately for assistance and to file a report.
  2. Contact your Agent as soon as possible (within 24 hours if possible) to file a claim report. In the event that your Agent is not available, you may contact the company directly. 
    The Company may be reached by Phone or Fax: Monday through Thursday (7:30 AM – 4:15 PM) and Friday (7:30 AM – 3:00 PM).
    Phone: 518-966-4493 Ext 228
    Toll Free: 1-800-367-3242
    Fax: 518-966-5022

    Emergency after-hours claims may be reported by calling our Claims Service line at 1-(877)302-0203.
  3. Take all reasonable steps to protect covered property from further damage and keep a record of your expenses necessary to protect the covered property.

Fraud Statement

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.