To file a Conn’s insurance claim form, download the correct PDF from the credit insurance claims section of the Conn’s HomePlus website, choosing the form that matches both the state where your loan originated and the type of coverage you’re claiming on: property, involuntary unemployment, disability, or life. Two underwriters handle these claims, Assurant and Fortegra, and which one you deal with depends on your origination state. Conn’s stores are closed following the company’s July 2024 Chapter 11 filing, but the claim forms and the underwriters themselves remain active for existing policyholders.
Which Underwriter Handles Your Claim
The Conn’s site groups claim forms by the state where your loan was originated, not where you live now. That origination state tells you which insurance company will actually process the claim.
- Assurant states: Alabama, Arizona, Louisiana, North Carolina, Tennessee, Texas, and Virginia. Georgia loans originated before 2024 are also handled by Assurant.
- Fortegra states: Colorado, Florida, Mississippi, Nevada, New Mexico, Oklahoma, and South Carolina.
- Georgia loans originated in 2024: email connsinsurance@conns.com for the right form and instructions.
Pick carefully. An Assurant disability form will not work if your loan originated in Florida, where Fortegra is the underwriter. One quick boundary: if what you actually have is a Repair Service Agreement, Food Loss Claim, or FurnitureGard plan rather than credit insurance, those are handled separately by Assurant at (800) 316-2993 and use a different process.
Choosing the Right Claim Type and Gathering Documents
Conn’s credit insurance covers four situations, and each has its own form and its own attachments. Submitting the wrong form or an incomplete package is the fastest way to stall a payout.
- Property: Completed claim form, photos of the damaged item, and a fire or police report when the damage involved fire or theft.
- Involuntary unemployment: Completed claim form. The form itself asks for the details of your job loss.
- Disability: Completed claim form, including an Attending Physician Statement section your doctor fills out.
- Life: Completed claim form plus a death certificate that shows the cause of death.
Property claims carry the heaviest documentation load. Take clear, well-lit photos of the damaged item from several angles before any repairs or disposal. If a fire or police department responded, request their report right away. Agencies sometimes take weeks to finalize those documents, and a property claim that needs one can’t move forward until it arrives.
Filling Out the Form
The forms are short, but accuracy decides how fast they move. Before you start, pull two numbers: your Conn’s account number, which appears on your billing statement or in your online account, and the certificate of insurance number from your original purchase paperwork. Having both ready prevents the back-and-forth that stalls claims.
Every form asks you to identify yourself, your account, and the type of coverage. The incident description is where most mistakes happen. Describe the event plainly: what happened, when, and how it affected your property or your ability to pay. On a property claim, your written description should line up with your photos and any police or fire report. Inconsistencies give adjusters a reason to ask follow-up questions, and each round of questions adds weeks.
If you’re filing a disability claim, the Attending Physician Statement section has to be completed and signed by your doctor. It asks for the diagnosis, date of onset, treatment, and expected duration. Call the doctor’s office specifically to get this section done, and send the form over in advance. Most practices handle insurance paperwork routinely and can turn it around within a few business days.
Sign and date every section that requires it. Some forms include an authorization letting the insurer verify information with your employer, medical providers, or government agencies. If that authorization is unsigned, the insurer can return the entire package.
Submitting the Claim
Each form prints its own submission instructions. Follow the mailing address, fax number, or upload portal shown on your form, because the destination is different for Assurant and Fortegra.
If you’re mailing the claim, copy everything first and send the package by certified mail or another tracked method. Lost mail is a common and avoidable reason claims sit for months.
If you’re uploading, scan the documents into a legible PDF. Blurry photos, cut-off pages, and unreadable scans get kicked back. If you can’t easily read every word on screen, neither can the adjuster.
What Happens After You File
Most states follow a version of the NAIC Unfair Claims Settlement Practices Act. Under that framework, insurers should acknowledge your claim within 15 days of receiving it and, once they have complete proofs of loss, generally have 21 days to accept or deny it. If they need more time, they must tell you so within that 21-day window, explain why, and then update you every 45 days until the investigation closes.
Real-world timelines vary. A clean involuntary unemployment claim can resolve faster than a property claim that needs an inspection or a disability claim where the insurer is waiting on medical records. During the review, the adjuster may contact you, your employer, or your physician for more information.
When a claim is approved, the insurer either credits your Conn’s account balance or issues payment according to the terms of your certificate of insurance. If it’s denied, you’re entitled to a written explanation. Alabama, for instance, requires that written denial notice within 15 days of the decision.
If the Claim Is Denied
Read the denial letter carefully. Common reasons include filing outside the coverage period, missing documentation, or the insurer concluding the event doesn’t meet the policy’s definition of a covered loss. Some of those reasons are fixable: if the problem is a missing document or an incomplete physician statement, gather the piece and resubmit.
If the denial turns on how the insurer interprets your policy, file an internal appeal in writing. Reference your claim number, explain specifically why you think the denial is wrong, and attach any evidence that supports your position.
If the internal appeal doesn’t resolve the matter, every state has a Department of Insurance that accepts consumer complaints, usually through an online form on the department’s website. A complaint triggers a formal review by the state regulator, who can look at whether the insurer followed proper claims-handling procedures. That route is especially useful if the insurer is ignoring your communications or dragging out the process.
Does the Conn’s Bankruptcy Affect Your Claim?
No. Conn’s Inc. filed for Chapter 11 in July 2024 and began liquidating its more than 550 stores, but your credit insurance policy is a contract with the underwriter, Assurant or Fortegra, not with Conn’s. The retailer’s bankruptcy does not void your coverage or eliminate your right to file.
If you can’t reach anyone through the Conn’s website or the connsinsurance@conns.com email, go directly to your underwriter. Your certificate of insurance lists the underwriter’s name and contact information. Hold on to that document. If the Conn’s site eventually goes offline, your certificate may be the most important paper you have.