File A Claim

Select the product for which you will be submitting a claim today:

To Report a claim

M-F 8AM – 5PM ET:
(866) 590-3550

Or contact us via email.

File a Claim
Claim Lifecycle

At Orion180, the moment your claim is received our team goes to work, processing and evaluating immediately. We understand the importance of responsiveness and empathy when an unexpected event strikes and employ the golden rule; we treat your claim the way we would want ours treated should the same experience befall us. Our claims process is among the lowest in the industry, with the average claim age under 30 days.

1. Claim Creation

Catastrophic Event (CAT)
dedicated line 866-590-3550 or

All Other Perils (AOP)
866-590-3550: Option 1, or

All daily non CAT related claims will be reported as AOP

2. Follow-Up

CAT: A claims Specialist reaches out with a 24-hour target (maximum allowed 72) to establish if emergency resources are necessary.

AOP: A claims Specialist reaches out with a 24 hour target (maximum allowed 48), to establish claim incident details and decide if emergency resources are necessary.

3. Inspection

CAT & AOP: Field Inspectors arrives based on Insured’s availability and urgency of the damage for a full inspection to evaluate extent/ cause of damage.

4. Scope & Report

CAT & AOP: Field Inspectors provide scope and report to the Claims Specialist with detailed explanation of the damages and extent, as well, send recommendations to the Claims Specialist.

5. Estimate

CAT & AOP: Claims Specialist coordinates with the Field Inspectors, apply coverages, validates estimates, deciphers validity of claim and submit to Orion180 for review of Riverwood Claims Managements recommendations.

6. Conclusion

CAT: Closing text or email to claimant advising settlement package should arrive within 5-7 days with Claims Specialists contact information.

AOP: What to expect from the Claims Specialist:

  • Claim Review
  • Closing Call
  • Claim Settlement Package

Home and Electronics Protection Plans

To initiate a Home and Electronics Protection claim, call: (855) 402-8725 M-F 8am – 5pm EST You can also visit 24/7 to submit a Home and Electronics Protection claim.

To get Technical Support** for your Home Electronics Protection Plan: (855) 402-8725 M-F 8am – 5pm EST

Afterhours Emergency Only:

*Fortegra® is the marketing name for the service contract operations of the subsidiaries of Fortegra Financial Corporation. Products and services are provided by 4Warranty Corporation, The Service Doc, Inc. (in WI), or Lyndon Southern Insurance Company (in OK and FL: Lic. No.: FL-03698), each of which are subsidiaries of Fortegra Financial Corporation. This is a summary of the benefits available. For complete information including details of benefits, coverage, specific exclusions, conditions, and limitations please refer to the complete terms and conditions of the service agreement. A service agreement is optional, cancellable and in no way required to obtain credit. A service agreement is not a warranty.
**Technical assistance provided by Fortegra’s partner NRTC Managed Services
Avoiding Filing a Claim

No one wants to go through the disruption that comes when disaster happens, especially when it happens in the most sacred space, our home. It affects our families, daily lives and drains time and resources.

Being a homeowner gives us an undeniable sense of pride, but it also comes with a certain amount of responsibility. Maintaining your home throughout the year plays a key role in avoiding unexpected events, and it avoids small problems from turning into large ones. Those larger problems are what tempt us to file claims in areas where we probably shouldn’t.

Below are some suggestions you can follow throughout the year that can help you avoid submitting an unnecessary claim and aid in preventing your premium from increasing.


  1. Check gutters and roof for any damage from ice or snow, make any necessary repairs.
  2. Inspect your windows for any leaks. Repair or replace weather stripping to avoid leaks.
  3. Check outdoor faucets for freeze damage or pipe issues.
  4. Service you HVAC unit and clear off debris.
  5. Test smoke detectors and replace batteries if necessary.

Hurricane Season

  1. Examine the roof, shingles, flashing, skylights, vents, and chimneys. Repair any damage.
  2. Clean out gutters to make sure rainwater and debris can flow freely throw them.
  3. Trim overhanging and dead branches and don’t leave unattended loose items outside as these can become projectiles.
  4. Know how to safely run a generator. Always keep generators outside under a canopied structure.
  5. Test/Install hurricane shutters and a wind-rated garage door.
  6. Speak with your insurance agent to review and understand your coverage.


  1. Test smoke detectors and fire extinguishers.
  2. Check the seals around doors and windows. Repair or replace as necessary.
  3. Have fireplaces and chimneys inspected.
  4. Inspect roof for loose shingles or damage.
  5. Clean your gutters.


  1. Follow manufacturer’s instructions for space heaters.
  2. Ensure pipes have proper insulation.
  3. Make sure your heating system and chimney have been cleaned and inspected.
  4. Test smoke and carbon monoxide detectors and replace batteries if needed.
  5. Make sure you have clear access to water shut-off value in case of a leak or bursting pipes.
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