Travelers hoarding claim?
Catalyst Restoration coordinates with Travelers adjusters daily across MD, PA, WV, and VA. Free inspections, direct billing where allowed, no preferred-contractor pressure.
Travelers is one of the oldest and largest U.S. property carriers. They process claims through MyTravelers.com, their mobile app, and 24/7 claim line. Adjusters typically respond within 1–2 business days; their internal scope tools are Xactimate-aligned.
Travelers hoarding claim flow
- Step 1
File via MyTravelers.com, the Travelers mobile app, or 1-800-CLAIM33.
- Step 2
Claim number issued immediately; adjuster contact within 1–2 business days.
- Step 3
Travelers expects emergency mitigation to begin without waiting for adjuster visit — they reimburse reasonable mitigation steps.
- Step 4
Travelers Concierge service may reach out for non-emergency losses to help coordinate vendors. You can decline and select your own restoration company.
- Step 5
Final scope agreed between adjuster and our documentation; Travelers uses Xactimate which matches our format.
Our hoarding process
Compassionate clearing. Restored peace.
- Step 1
In-home consultation
Meet with the resident, family, or case manager to plan scope and pace.
- Step 2
Sorting + sentimental review
Identify items to keep, donate, recycle, or dispose. Resident-led where possible.
- Step 3
Bio + pest decon
Address animal waste, decomp, and pest contamination per biohazard protocol.
- Step 4
Structural assessment
Inspect for hidden water, mold, or rodent damage exposed by clearing.
- Step 5
Final clean + reset
Carpet extraction, surface decon, odor neutralization, and a walk-through.
Common friction with Travelers
Travelers Concierge can pressure customers toward in-network vendors.
You have the legal right to choose any licensed restoration provider. Travelers pays your selected restoration company at the same rates as their network. We make it easy to decline Concierge and proceed with us.
Travelers sometimes scopes ceiling damage conservatively when moisture is "not visible from below."
We take above-ceiling moisture readings via cavity probe and document insulation saturation directly, supporting removal scope where warranted.
Tip: call us before you call Travelers
Restoration crews can be on-site within hours; an adjuster may take a day or two. The faster hoarding starts, the smaller the final loss.
Request emergency dispatchTravelers Hoarding - FAQ
It depends on your policy and the cause of loss. Hoarding itself is a gradual condition and rarely covered as a standalone claim. However, damage from a covered loss discovered during cleanup (a burst pipe beneath the hoard, for example) may be claimable — we scope covered and non-covered work separately so the claimable portion gets claimed. Either way, Catalyst documents everything Travelers needs and bills them directly where allowed.
Travelers typically assigns an adjuster within 1-3 business days. Catalyst can begin work immediately - reasonable emergency steps to limit further damage are reimbursable. Most claims close within 30-90 days depending on scope and any supplements.
Yes. Insurance carriers (including Travelers) cannot require you to use their preferred network. You have the absolute legal right to choose any licensed restoration company. Travelers pays your selected provider at the same rates as their preferred network.
Travelers expects photos from first response, a clear cause-of-loss narrative, an itemized scope in Xactimate format, documentation of the work performed, and final verification. Catalyst provides all of it and submits directly to your Travelers adjuster.
We work resident-led whenever possible. Sentimental items, paperwork, and photographs are sorted with the resident or a designated family member before any disposal.
Hoarding loss covered by Travelers?
Catalyst crews stage across MD, PA, WV, and VA — call now or request emergency response.