Reporting A Claim

24-Hour Claim Reporting for NEW Claims & 1st Notice of Loss

Harford Mutual Insurance Group offers convenient 24-hour claims reporting so your claim can be addressed in a timely manner.

BY PHONE: Report NEW claims 24/7 to 800-638-3669  

BY EMAIL: Submit your NEW and 1st notice of loss form via email to 

Claim Process

  • Once you report a loss, a claim examiner or adjuster will contact you to obtain the details and arrange a mutually convenient date and time to inspect the property.
  • Harford Mutual will review your policy and coverage, and, subject to the terms and conditions, will pay to repair or replace your lost or damaged property, or any claims made against you for which you are legally liable.
  • Your claim examiner or adjuster will provide additional details.