USIC: we get back to you. We’re always ready to hear your claim.

Our Service Representatives are ready to assist you with your claim process.

USIC - Claims USIC - Claims

Your well-being and peace of mind are very important to us. If you have a claim, you can report it using one of the following options. Our representatives are always ready to assist you.

  • Call us:

    Llámanos al 787 273 1818

    Our Service Representatives are ready to assist you with your claim process.

  • Send us an email:

    Send us an email to

    Send us an email with the name of the insured, address of the affected property, phone number, and photos and a description of the damage. We will get in touch with you promptly.

  • Mail

    PO Box 2111
    San Juan, PR 00922-2111

    You can also send all your information via regular mail:

  • Visit us:

    Suite 1200 en el T-Mobile Center, Calle Tabonuco B-7. Guaynabo, PR 00968

    If you prefer to make your claim in person, you can visit our offices Monday through Friday, from 8:00am to 5:00pm.*

    * Due to COVID-19, our offices are currently closed. However, we are still fully operational remotely during our regular business hours.

How to make a property or flood claim:
What information do I need to report a claim?
  • The name of the insured
  • Phone numbers
  • Email
  • Policy number (if you have it)
  • Name of mortgage creditor and loan number
  • Physical address of the property
  • Mailing address
  • Description of the damage
  • Photos of the damage*
  • Receipts of any repairs that were made*
What happens after I report a claim?
  • USIC will acknowledge within fifteen (15) days. within fifteen (15) days.
  • The claim will be assigned to the damage appraiser. They will contact the insured to schedule a visit to the property and review the reported damages.
  • Once the claim adjustment is completed, USIC will send the insured individual a letter with the final assessment.
How long does the resolution of the claim take?

The Puerto Rico Insurance Code, Article 27.162.26 LPRA 2716(b) provides a term of ninety (90) days after the loss has been notified for the claim to be resolved.

FAQ: Claims
  • What information and documents do I need to make a claim? + To make a claim for damage to your property, you must complete and submit a claim request with the estimated damage and the corresponding invoice. The information and documents needed to report a claim depend on the type of situation or damage for which you are claiming. If you need any assistance, please contact our service center at 787- 273-1818 or write to us at We’re always here to help you.
  • When can I make a claim? + You can make your claim at any time, 7 days a week, by writing to If you prefer to report your claim in person, our office hours are Monday through Friday, from 8am to 5pm. *
  • What is a deductible? + In the field of property insurance policies, the deductible is the portion of the damage that the customer has to pay in the event of a loss. It is an integral part of the property insurance policy and is usually set at a certain percentage. For example, if the policy insures the property for $200,000 with a 2% deductible, the client must pay a total of $4,000. In this case, the insurer will be liable for the excess loss of 2%, up to the limit of $200,000.
  • How do I get a copy of my policy? + Contact us. You can call us at 787-273-1818, write to us at or visit our offices.*
  • Why should I get a property insurance policy? + As much as we work and plan in order to solidify the foundations of our present and our future, we live in a world where unforeseen events happen all the time. Among these events are natural disasters, which are inevitable and sometimes catastrophic. Property insurance policies allow you to have peace of mind in case any of these events occur and cause damages to your home or business. They transfer the risk to the insurance company, which then takes care of the costs (according to the specifications of the policy) and covers your losses.