Shelter
A regional insurer serving homeowners in 21 states, primarily in the Midwest and South. Shelter operates through exclusive agents and is known for competitive pricing and personal service.
Headquarters
Columbia, Missouri
Claims phone
Check carrier website for current claims number
Website
www.shelterinsurance.comXactimate
Uses Xactimate for estimates
What Shelter is known for
- Regional carrier in 21 states
- Exclusive agent model
- Competitive pricing in Midwest and South
Filing a claim with Shelter
Practical tips for restoration professionals working Shelter claims.
Shelter is strong in storm-prone regions. Their adjusters are experienced with wind and hail damage claims.
Work through the local Shelter agent when possible. They often have good relationships with the claims team.
Shelter adjusters use Xactimate. Have your scope ready for a professional comparison.
Their claims process is generally straightforward. Respond promptly to requests to keep things moving.
Working with Shelter in Xactimate
Shelter adjusters write their property damage estimates in Xactimate. When you receive their scope, you can import it into Xactimate and run a line-by-line comparison against your own estimate. Focus on missing line items, incorrect quantities, outdated pricing, and omitted code upgrades. If you start with a PDF estimate from Shelter, CapOut can convert it to an ESX file so you can load it directly into Xactimate for comparison.
Common deductible types
Frequently asked questions
Contact your local Shelter agent or visit shelterinsurance.com for the current claims number.
Shelter serves homeowners in 21 states, primarily in the Midwest and southern United States. Check their website for specific state availability.
Yes. Shelter adjusters write their property damage estimates in Xactimate.
Convert your Shelter PDF to ESX
Upload a PDF estimate from Shelter. CapOut processes it and sends it directly to your Xactimate account.
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