At Southern Mutual Church Insurance we appreciate the trust you place in us to protect your property and your staff. We understand we have the opportunity to prove ourselves when a claim occurs. Our highly-trained, friendly claims staff knows church business thoroughly. We are dedicated to prompt, fair settlement of your claim. That is something our customers have depended on since 1928 and something you can depend on today. CLICK HERE to see what our customers have to say or to send us your comments.

What are your duties when a claim occurs?

•  Report the claim immediately.
•  Protect the property from any further damage.
•  Make reasonable temporary repairs required to protect property.
•  Protect others from any further injury.
•  Retain all damaged property.
•  Notify the proper authorities if the loss involves a crime or suspected crime.
•  Cooperate with the insurance company and its representatives/investigators.

How to Report a Claim

Please provide SMCI or your agent with the following information:

•  Church name and location (city, state, zip code)
•  Contact name and phone number(s) for person reporting the claim
•  Date of loss
•  Description of loss

If your church is located outside of South Carolina please contact your agent directly.

If your church is located in South Carolina
•  By E-mail: claim@smcins.com
•  By Phone: 1-800-922-5332, 8:30AM-4:00PM ask to speak with a claims representative or after 4:00PM see below.
•  By Fax: (803)776-4260
•  By Mail: Send the above information to the address listed at the bottom of this page, marked "ATTN: CLAIMS DEPT".

If you call after hours to report a claim emergency you will go directly into our voicemail system. As soon as you hear our greeting you can press "5" to go into our claim emergency reporting system. Once there, you will be voice prompted to answer three questions: 1) State your name and the name of your church; 2) Give a phone number where you may be reached; and 3) Leave details about your claim emergency. After each prompt, you will leave your message after a tone, then the voicemail system will "listen" for two seconds of silence before it stops recording and moves to the next prompt. The system will then call the claims representative on duty and they will return your call as soon as possible.