In today’s uncertain world, Centauri Insurance provides financial protection and peace of mind for our stakeholders while minimizing risks with innovative solutions and personalized service. We strive to be the partner of choice for customers, insurance agents and employees seeking enduring relationships built on a foundation of trust guided by our core values and competencies.
Centauri Insurance was founded in 2006 to provide exceptional, yet competitively-priced property and casualty insurance products. Our company now serves policyholders in nine states including Alabama, Florida, Hawaii, Louisiana, Mississippi, Oklahoma, Massachusetts, South Carolina and Texas.
We have particular experience in storm situations and are dedicated to meeting the ever-changing needs of our agents and customers. Our team is united by a common mission to be there when you need us, by having YOUR interest in mind in everything we do.
Claim
From minor mishaps to major catastrophes, our team is ready to handle your claim. Our streamlined process makes it easy to report a claim and get it resolved in a timely manner.
When we say we’re here for you, we really mean it. Our service representatives are available 24 hours a day, 365 days a year to answer your call.
From minor mishaps to major catastrophes, our team is ready to handle your claim. Our streamlined process makes it easy to report a claim and get it resolved in a timely manner.
When we say we’re here for you, we really mean it. Our service representatives are available 24 hours a day, 365 days a year to answer your call.
Homeowner Claims: 877-234-4401
Flood Claims: 888-481-1141
If you have a separate flood policy with Centauri, you may also visit Manage My Flood Policy to file a Notice of Loss or review your policy documents
Business Owners/Commercial Claims: 866-789-4228
commercialclaims@centauriinsurance.com
Payment
Our Claims Process
Customer service is our top priority. We handle each claim in a timely manner and work with you every step of the way. Each claim is different, but our process is straightforward. We understand that dealing with a loss can be a stressful experience. Our team is dedicated to making the claims process simple and swift. Here’s what you can expect from Centauri’s simple claims process:
More on Claims Process Information...
1. Reporting The Loss
An insurance claim can first be reported by:
- Calling our claims line: Click here
- Visiting us online: CentauriInsurance.com
- Contacting your independent agent
If you have a separate flood policy through the National Flood Insurance Program (NFIP), please call 888.481.1141 to report your flood claim and file your Notice of Loss.
If you need us to arrange mitigation services, particularly if you sustained a fire or water loss, we’re happy to help. We maintain partnerships with expert mitigation companies in your area that have been vetted for the quality of their work and their communication with customers.
2. Assessing The Loss
After your claim is reported, one of our claims professionals will contact you to learn how the loss occurred and what damages were sustained.
This information is important in helping us to understand the cause of loss and resulting damage when properly applying the coverages available under your policy for the loss. It also lets us know what help you may need. For example, you may need assistance finding temporary housing if a large loss has rendered your home temporarily unlivable.
3. Inspecting The Damages
In most cases, an in-person inspection of the damages will be needed in order to resolve your claim. We have field professionals in your area who will inspect the damages to your home and contents, document the damages with photos, and prepare a repair estimate based on the inspection.
4. Payment Of The Claim
The claim professional will compare the results of the field inspection to the terms of your policy. They will explain the basis of any payment due under the policy, and provide you with a copy of the estimate.
5. Repairing The Damages
Damages will be repaired by a contractor(s) of your choice. It is important to provide them with a copy of our estimate. If they identify additional damages or work to be done, they can contact us so we can perform an additional review.
This is an outline of Centauri’s claims process and is for informational purposes only. Your claim process may be different based on the unique characteristics of your loss. Please refer to your policy contract for coverages, conditions and exclusions.
Harris Insurance is proud to offer the following through Cabrillo Coastal:
- Residential
- Homeowners Insurance
- Dwelling Fire
- Condominium Insurance
- Flood Insurance
- Tenants Insurance
- Residential Specialty Lines
- Commercial
- Commercial Residential
- Business Owners (Building, Business Personal Property, Business Income and Liability Coverage)
- Commercial Equipment Breakdown Insurance
- Office Risks
- Attorneys
- Insurance Agencies
- Accounting and Bookkeeping Offices
- Physicians
- Service Risks
- Barbershops or Beauty Salons
- Nail Salons
- Coffee Bars
- Delis
- Retail Risks
- Bakeries
- Clothing Stores
- Florists
- Health Food Stores
