Independent consumer guide. WaterDamageResponse247 is not affiliated with MetLife Auto & Home (now Farmers Group brand). This page provides educational information sourced from MetLife (Farmers brand)'s public website and state insurance department filings. Not intended as insurance advice. For your specific policy details, contact MetLife (Farmers brand) directly or consult a licensed insurance agent.
MetLife (Farmers brand) Water Damage Coverage
Independent consumer guide to typical water damage coverage under MetLife Auto & Home (now Farmers Group brand) homeowners policies. Educational information only.
About MetLife (Farmers brand)
Founded
1868 (MetLife)
Headquarters
New York, New York
Approx. Market Share
~1% (transitioning)
Policy Forms
HO-3 Special Form, HO-5 Comprehensive
Source: MetLife (Farmers brand)'s public website; market share estimates from NAIC industry data.
Typical Water Damage Coverage Approach
MetLife sold its property and casualty business to Farmers Insurance Group in 2021. Existing MetLife homeowners policies are now serviced under the Farmers umbrella. New customers are typically directed to Farmers products.
Important: This is general information based on public sources. MetLife (Farmers brand)'s specific policy terms vary by state, policy form, and coverage tier. Always review your own declarations page and policy documents, or contact MetLife (Farmers brand) for clarification on your specific coverage.
Common Riders & Endorsements
MetLife (Farmers brand) typically offers the following endorsements that may be relevant to water damage scenarios. Availability varies by state and tier:
- ✓Generally same as Farmers
- ✓Water backup endorsement
- ✓Identity theft coverage
Claim Process Notes
Existing MetLife customers should verify their current servicing carrier and claims contact information.
Source: MetLife (Farmers brand)'s public claims information at their official website.
Important Notes for MetLife (Farmers brand) Policyholders
- MetLife policies are now serviced by Farmers Group
- Existing policy terms remained unchanged at acquisition
- New buyers should review Farmers products directly
General Water Damage Claim Best Practices
Regardless of carrier, water damage claims generally follow similar best practices:
- Mitigate further damage (stop water source if safe)
- Document with photos and video before cleanup
- Contact your insurance company promptly
- Keep receipts for emergency mitigation services
- Get IICRC-certified contractors for restoration work
- Verify direct billing arrangements before authorizing work
- Maintain a written timeline of communications
Active Water Damage? Get Connected to a Specialist
We connect homeowners with licensed, IICRC-certified water damage restoration contractors. Many network contractors handle insurance claim coordination directly.
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Trademark notice: "MetLife (Farmers brand)", "MetLife Auto & Home (now Farmers Group brand)", and related logos and product names are trademarks of their respective owners. WaterDamageResponse247 uses these names solely for nominative/descriptive purposes under the doctrine of fair use to identify the carrier discussed in this educational content. WaterDamageResponse247 is not affiliated with, endorsed by, or sponsored by MetLife (Farmers brand). Information is sourced from publicly available materials and is not legal or insurance advice.