If your home or personal property has been damaged by a covered event, follow these steps to file a claim through MyRMO.

Before Filing:

  • Ensure the safety of everyone in your household.
  • Prevent further damage if it is safe to do so (e.g., cover a broken window, turn off water to a burst pipe).
  • Document all damage thoroughly with photos and video.
  • Do not dispose of damaged items until the claim has been reviewed.

Filing Your Claim:

  1. Log in to MyRMO and go to "Insurance" then "File a Claim."
  2. Select "Property Insurance Claim."
  3. Describe the event: date, cause of damage, and a detailed account of what happened.
  4. List all damaged or lost items and their estimated value.
  5. Upload photos, videos, and any supporting documentation (police report, fire department report, etc.).
  6. Submit the claim and save your claim number for reference.

What Happens Next:

  • A claims Expert reviews your submission, usually within 24–48 hours.
  • An adjuster may be assigned to inspect the damage in person or via video call.
  • Once the claim is approved, payment is issued minus your deductible. You can choose direct deposit to your RMO account for the fastest payout.

For emergency claims such as fire or flooding, call us immediately. For all other claims, file through MyRMO or schedule an appointment through MyRMO or by calling us.