When should I notify VYRD after a loss or accident?
VYRD should be notified directly after a loss, so long as it is safe to do so.
Report your claim to VYRD online at VYRD.co by accessing your customer portal or by contacting us at 844-217-6993.
Even if you do not know the full extent of the damage, report your claim to VYRD as soon as you become aware of or suspect damage. A VYRD adjuster will contact you to discuss your loss and arrange an inspection of your property.
Please contact VYRD prior to contracting with anyone to make any repairs. There may be coverage limitations when not using our preferred contractor network.
How do I file a claim?
Be sure to set up your VYRD account online, and click the "FILE A CLAIM' button. We'll guide you through the process.
What information do I need to file a claim online?
What you will need:
- Your policy number
- Your contact information, including any temporary addresses or phone numbers where you can be reached if you have been displaced
- Damage description (example: tree fell on roof, lightning struck house)
- Mortgage company information (if applicable)
How can I help the claim process run smoothly?
To prevent further damage, you may need to make temporary repairs to your home. Before you make any repairs or remove any damaged contents from your home:
- Prepare a list of lost and damaged items using our Personal Property Inventory form.
- Keep any damaged items in a safe location so the specialist can complete an inspection of those items.
- Take photos to document the damage. Provide these photos to your assigned specialist to document your claim.
VYRD must inspect damages to determine reasonable repairs.
Prevent Further Damage
If safety and common sense allow, take steps to prevent further property damage by making temporary repairs wherever possible.
- It may be necessary to complete emergency repairs to prevent further damage. These may include turning off broken water supply lines, boarding up broken windows, placing a tarp on a damaged roof or having standing water removed from the home to start the drying process. Remember that your specialist must inspect your home and authorize any permanent tear out, removal or repair of items, before they are completed.
- Your assigned claim adjuster will estimate the damage to your home or business, but sometimes it may be necessary for experts, such as an engineer or specialized contractor, to inspect the damage with our specialist. You are also welcomed to obtain your own contractor's estimate and provide these to the adjuster for review.
Keep Your Receipts
- Request and copy original receipts for all purchases or services needed to make temporary emergency repairs.
- Save receipts for any additional living expenses you incur while your home is uninhabitable due to a covered loss.
- Save the copies for your personal records and give the original receipts to your adjuster. They will review the receipts and determine coverage for reimbursement under your policy.
What happens after I report a claim?
Your claim is assigned to an internal examiner who will review the details of the loss and verify the potential for coverage under your policy. They will then contact you for additional information and to review the claims process.
You will receive a claim number and contact information for your claims adjuster. Your VYRD adjuster will assign a specialist to schedule your inspection. If you have incurred damages due to the accidental discharge of water or steam, VYRD offers you the ability to connect with a network of vetted, licensed and insured local contractors who can make permanent repairs to your home for covered damages. Ask for more information about the Preferred Provider Program when you report a claim and find out if you are eligible to receive emergency water extraction and drying services.
Following the inspection, your claim will be reviewed by your assigned claims adjuster. If the loss is covered and the cost of the damage is more than your deductible, the examiner will submit your claim for payment. If the damage is not covered under your policy, VYRD will provide an explanation in writing. VYRD will answer any questions you have regarding your claim. You can review your policy and discuss your coverage with your agent at any time.
How does the claims process work?
- The claim is filed via VYRD’s contact center or online.
- An internal examiner reviews the information and makes first contact to review details of the damage and policy.
- An adjuster or preferred contractor will be assigned to perform an inspection of the damage and will develop a report and damage estimate for review by the examiner.
- The examiner decides whether coverage is eligible and reviews this information with you.
- The claim is settled and payment disbursed (less any applicable deductible) based on the conditions of the policy.
Note: If you have a mortgage company, we will be required to include them as a payee on any of the dwelling related payments. Contact your mortgagee to inquire on their process for obtaining an endorsement on a check.
How do I get the name, contact information, and status of my claim?
Upon report of your claim, you will receive a claim number and contact information for your VYRD claims adjuster.
Your claim information is also available by accessing your policy via the consumer portal at VYRD.co. You may also contact our claims department at 844-217-6993.
How long does an insurance claim take?
While we do work as quickly as possible to resolve your claim, the length of time is dependent upon the complexity of the loss.
The length of time it takes to resolve an insurance claim depends on several factors including the following:
- How long you wait to contact your insurance company. You should always file a claim as fast as possible after the loss.
- How quickly you provide all the documents to your claims adjuster. The longer your insurance adjuster must wait for key pieces of information to process your claim, the longer the process takes.
- The type of damage or loss. More straightforward property damage claims — like if a tree falls on your garage — are faster to process than more complicated liability claims that involve more people.
- How responsive you are to questions from your assigned claims adjuster. Again, the longer you take to respond to your adjuster, the longer the process will take.
- The total cost of the damage or loss. More expensive claims typically take longer to process than less expensive ones.
How is payment made?
Claim settlement payments are paid via paper check to the mailing address specified on the policy.
Why is the mortgage company listed on my claims check?
As a condition of their mortgage, your mortgage company has an insurable interest in your property. To protect their interest, we are required to include them as a payee on any payments relating to the dwelling structures.
For any additional questions, you may contact your mortgage company.
Will my premium go up?
Your individual policy will not be surcharged if your claim is the result of an Act of God (weather related), or if it is below the deductible or the payment is less than $500. Overall rate increases may or may not impact your future renewals. Rate increases are a reflection of the expected future losses of all policyholders combined, coverage changes, costs of reinsurance or statutory assessments. Concern for a policy surcharge should not be a consideration whether to report a claim. Reporting a claim timely is a requirement of the policy. Failure to do so may limit or your claim benefits.
How much will I have to pay, out-of-pocket?
Your out-of-pocket expense is dependent upon your deductible under the policy and or any special coverage limits included in your policy. Your policy deductibles are shown on your declarations page and within the consumer portal. Your claim representative can assist you with any specific questions surrounding coverage limits and applicable deductibles.
How do I get a contractor?
Your examiner at VYRD will assign a contractor based on our preferred contractor network to ensure your home is repaired with the utmost degree of attention and care.
What if additional damage is found after the initial estimate?
Supplements are commonplace in the insurance claims process after the initial payment is made. A Supplement is a claim for additional repair and/or replacement costs.
Contact your adjuster as soon as the supplemental damages are discovered. The adjuster will review all documents, damages, receipts, losses, etc. A re-inspection may be warranted to address the supplemental damages.
Additional payment(s) will be issued after the supplement is reviewed and approved.
What if I have an inquiry on an existing claim?
You can view your claims information via the consumer portal at VYRD.co or contact our claims department at 844-217-6993.
What is a Preferred Contractor Network?
It is a trusted group of contractors who have a proven reputation of reliability to mitigate, remediate, and repair your home. This network is designed to ensure your home is efficiently repaired with your best interest in mind, ensuring repairs will last to protect your home in the future.
When your home is damaged, you want relief fast so life can get back to normal. The Preferred Provider’s help customers with eligible policies get back on their feet by providing valuable emergency and permanent repair services following water loss not caused by weather. The program includes water removal and drying services for water losses not caused by weather and can connect you with local contractors who are licensed, insured, and agree to comply with VYRDs’ established service protocols for permanent repairs. Learn More
How can I get homeowner’s insurance from VYRD?
Currently, only certain homeowners with policies held by the Citizens Property Insurance Corporation are eligible to move their policy to VYRD. These homeowners will receive a letter from Citizens detailing VYRD’s offer. If you do not receive a letter from Citizens or are not a Citizens policyholder, you can sign up to be notified when VYRD is available to you.
What is a takeout offer?
A takeout offer is an offer from a private insurance company, such as VYRD, to assume responsibility for a policy currently managed by the state-run Citizens Property Insurance Corporation. Citizens and the Florida Office of Insurance Regulation thoroughly vet companies that participate in the takeout process, sometimes called “depopulation.” Homeowners eligible for the takeout program will receive a letter from Citizens detailing their offer(s) and outlining instructions for responding.
Why did I receive a takeout offer?
As a state-run program, Citizens Property Insurance Corporation is intended to offer policies only for homes that cannot be insured on the private market. If you received a takeout offer letter it is because Citizens, in collaboration with an insurer like VYRD, determined that you can receive better protection with less financial risk through private-market insurance.
I received a takeout offer letter. Why should I accept VYRD’s takeout offer?
VYRD is combining deep expertise, financial strength and the latest technology to meet the unique needs of Florida homeowners and the agents who serve them. Our approach means more effective prevention, better protection, and a smoother customer experience.
We encourage you to speak to your insurance agent about your options. Your agent can help you understand which option is best for your situation. Most Citizens policies provide minimal protection, leaving homeowners at higher risk of loss than more comprehensive policies offered by private-market companies like VYRD. Additionally, Citizens policyholders could be subject to an assessment of up to 45% of their premium if Citizens becomes insolvent.
How does VYRD's product offering and coverages compare?
How do I accept my VYRD takeout offer?
You can ask your insurance agent to respond on your behalf, or you can do so yourself online at www.citizensfla.com/online-choice. You will need your policy number and the registration code contained in your offer letter from Citizens.
Will accepting the VYRD takeout change my insurance agent?
No. If you received a takeout offer from VYRD, your agent is part of our network and can continue representing you.
How can I make changes to my policy?
We suggest you contact your insurance agent for policy questions. Citizens will continue servicing your policy, including collecting premiums and managing changes to the policy, until its expiration date. VYRD will service the policy beginning with its renewal date.
How do I pay for my policy?
We encourage you to contact your insurance agent for payment if you need any assistance making premium payments. Citizens will continue to collect premiums until your policy renews. Before your policy expiration date, you will receive a policy renewal package from VYRD that includes information on how to make payments in the future.
Do I need to notify my mortgage company of the change?
No. VYRD will notify your lender of the change on your behalf.
What does a VYRD Homeowner's policy cover?
Your home is one of your most prized possessions, and you always want to feel that your family is secure and protected inside. Unfortunately, accidents or natural disasters can occur, resulting in expensive repair costs. You don’t want to cover those costs out of your own pocket. Your VYRD policy covers your home and property damage caused by things like wildfires, extreme weather, crime, and vandalism. It also protects you against legal claims for damage or injury you accidentally caused others.
Be sure to read your VYRD Homeowner policy carefully for complete descriptions and details.
The HO3 policy is available for detached, single family homes and duplexes in which at least one unit is owner occupied. The owner must live in the home as their primary residence. It covers the building, other structures on the property, the owner’s personal property, provides additional living expense and personal liability coverage.
The policy includes six distinct types of coverage:
- Dwelling coverage (Coverage A) - Covers the building and any attached structures. Depending on your policy and home type, the coverage amount is determined by either:
- Replacement cost - the cost of completely rebuilding the home and attached structures, following a total loss.
- Actual cash value (ACV) - the estimated cost of replacing your home with a similar home of the same year, condition and size, minus depreciation.
- Other structures (Coverage B) - Covers structures not physically attached to your home.
- Personal property protection (Coverage C) - Covers the depreciated value of your personal property and home contents - example clothing, appliances, and furniture.
- Loss of use (Coverage D) - Covers incurred additional living expense if you are temporarily unable to live in your home following a covered loss. These may include expenses for food, a place to live or other costs associated with maintaining your household.
- Personal liability protection (Coverage E) - Covers bodily injury or property damage for which you or other people covered by the policy are deemed legally liable.
- Medical payments (Coverage F) - Covers reasonable and necessary medical expenses if someone is injured on your property or, under certain circumstances, off the insured property.
Whats a "peril"?
A peril is an event, situation, or incident that causes property damage or loss. Fire, theft, wind, and vandalism are common perils that homeowner’s insurance can cover. The perils covered by your homeowner’s insurance policy are listed in your policy.
What is Actual Cash Value (ACV)?
It's an estimation of how much it will cost to replace or repair something damaged or stolen minus depreciation (the decrease in value over time)
What is Replacement Cost?
It is an estimation of how much it will cost to replace or repair something damaged or stolen with a similar item of the same quality, make and model. Replacement cost does not consider depreciation and usually does not include the cost of wear and tear.
What is a Declarations Page?
When you purchase a homeowner's insurance policy, when you renew your policy, or when you make changes to your policy, the company will give you a document called a "Declaration Page." The Declarations Page identifies the kinds and amounts of coverage you have and how much it will cost you. The Declaration Page is the first page of your homeowner’s insurance policy.
What is an Exclusion?
An Exclusion is a provision of an insurance policy referring to hazards, perils, circumstances, or property not covered by the policy.
What can I do to lower the cost of my Homeowner's Insurance premium?
The cost of your insurance (your premium) partly depends on the coverages, deductibles, and policy limits you choose. Here are few things to consider to help lower your premium:
- Talk to your Agent about your specific needs and eligibility for discounts
- Take advantage of our new Proactive Protection program
How do I register and create an online account on VYRD.co?
You can access your online account by registering here. All you'll need is the email you provided your Agent when they set up your policy. If you are unsure, just use your policy number.
How do I reset my password?
It happens, but don't worry — you can easily reset your password. From the welcome/login page, just click the "FORGOT PASSWORD?" link and enter the email address you used to register with VYRD. We'll send you a password reset link.
What can I do once I set up my account online?
By setting up your account, you can view your policy, file a claim, view documents and pay your bill. So be sure to register!
How do I make a payment?
Just set up your account on VYRD.co, and make your premium payments online. VYRD accepts payments from US checking and savings accounts as well as debit and credit cards. We can only accept one-time payments at this time. And you can also pay over the phone by calling us at 888-806-VYRD(8973).
What is VYRD's Smart Home Water Protection Program?
VYRD has partnered with Phyn to offer our policyholders an industry leading 24/7 home water protection and alert monitoring system for FREE! The Phyn Smart Water Sensing Kit valued at $250, includes 5 sensors that once placed at key sources of water monitors for leaks to help avoid costly damage. In addition, by participating in the program, policyholders receive a discount on their homeowners' insurance. Click here for more information.
How does the Smart Home Water Protection Program work?
The policyholders place the 5 sensors provided by VYRD in key water source areas of their home (eg. Toilets, AC Air Handler, Water Heaters) and receive notifications if a leak occurs.
- Sensors – Monitor for water leaks
- Phyn App – The app alerts the homeowner and allows them to manage their system from anywhere
- VYRD Monitoring – 24/7 monitoring that links to our claims specialists. VYRD will alert policyholders vis SMS text messaging ,inquiring if help is needed, and if necessary, facilitate opening a claim
How do I participate in the Program?
The Smart Home Water Protection Program is included just for being a VYRD policyholder. As a policyholder, just set up an account online at VYRD.co, and enroll and accept the VYRD Smart Home Water Participation Agreement. Be sure that you have Wi-Fi Access, then download the Phyn App and install the smart home kit.
Is there a policy discount for participating in the Smart Home Water Protection Program?
Yes! When policyholders install their free Phyn Smart Water Sensing Kit and set up monitoring via the Phyn App, they will receive a 15% discount (approximately $145*) on a portion of their premium.
What happens if I don't install or activate the smart home kit?
After enrolling, the policyholder is expected to install and activate all 5 sensors included with the Phyn Smart Water Sensing Kit immediately.
When can I enroll in the program?
The VYRD Smart Home Water Protection Program is available for all policyholders of VYRD, and customers can enroll at any time.
Who is VYRD's approved vendor?
As of July 2023, Phyn is now VYRD's approved vendor, providing 5 Smart Water Sensors for our policyholders. The Phyn Smart Water Sensor alerts you audibly, visually and with SMS and app notifications the moment it comes in contact with water. You can also set custom alert thresholds for potentially damaging high and low humidity and temperature in the free Phyn app.
For our early adopters to the program that received and activated a Notion Smart Home Monitoring Kit, it will continue to be supported and policyholders will continue receive their premium discount.
How much does the Smart Home Kit cost?
VYRD provides the 5-sensor Phyn Smart Water Sensing Kit for FREE! That’s a value of $250.
How do I install the sensors?
You can download this handy one-page guide to help you.
If I already have the Phyn water sensors in place in my home, how can I participate in this program?
Please contact the VYRD call center at 888-806-VYRD (8973) for the participation agreement form, that will need to be completed and returned to VYRD. The good news is you also will qualify for a discount on a portion of your premium!
Can I use other smart home devices to participate in this program or do they have to be Phyn Devices?
To participate in this program, the policyholder must have a Phyn Smart Water Sensing Kit in place. However, VYRD has arranged for a special Smart Home Water Protection discount to policyholders using other monitoring systems. Please reach out to your Agent for more details.
How do I learn more about the smart home devices before agreeing to participate in the VYRD Smart Home Water Protection Program ?
Is VYRD still supporting the Notion's Smart Monitoring Starter Kit?
Yes, VYRD is still working closely with Notion to support our initial customers that enrolled early in the program and received the Notion Smart Monitoring Starter Kit. If you have a Notion kit and it remains active, VYRD will maintain your discount and savings.