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Lender-Placed Insurance - Steps For Insurance Claims And Property Repairs

These are the general steps we take for property insurance claims. Your individual situation may differ.

Step 1. Contact your insurance company if you have any property damage

Your first step is to contact your insurance company and file a claim with them. Find out when an adjustor will come and when to expect any claim checks.

Step 2. Call us at 1-888-818-9147 (Mortgage) or 1-866-355-1540 (Home Equity) after you file a claim

We’ll provide you important details on how to process your claim check. We’ll discuss how Wells Fargo will be involved in the process to restore your home. We’ll look for other ways we can help, like offering flexible loan payment options.

If you’re still having financial difficulty at the end of the disaster relief, we may be able to extend relief with a loan modification or a repayment plan for up to 12 months.

No matter how significant your property damage – even with a complete loss of your home – we’ll work with you to review all of your options.

For help after the disaster relief ends, please contact us at:
Mon – Fri: 7 am – 10 pm
Sat: 8 am – 5 pm
Central Time

Step 3. Contact us to start the repair process after you receive the insurance check

When you receive your insurance check, you’ll notice that Wells Fargo is named on it. As the mortgage provider, we have a financial interest in ensuring your property is restored. Notify us as soon as you get your check, or visit our insurance claim check websites. We will give you the information and forms you need to move forward with repairs.

For most minor damages, we’ll endorse the insurance check to you to manage the repairs

Generally, if your home has only minor damages – and your loan is current – we won’t need to oversee the repair process. Instead, we’ll endorse the check completely to you to manage repairs. (Other conditions may apply.)


For significant damage, Wells Fargo will help monitor the repairs to your home.
Learn more