UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                    FORM 8-K

                                 Current Report
                                   Pursuant to
                             Section 13 or 15(d) of
                       The Securities Exchange Act of 1934


       Date of Report (Date of Earliest Event Reported): September 2, 2004


                         ALLMERICA FINANCIAL CORPORATION
                         -------------------------------
             (Exact name of Registrant as specified in its charter)


    Delaware                           1-13754                  04-3263626
 --------------                  -------------------         -----------------
(State or other jurisdic-      (Commission File Number)     (I.R.S. Employer
 tion of incorporation)                                      Identification No.)



               440 Lincoln Street, Worcester, Massachusetts 01653
               --------------------------------------------------
                    (Address of principal executive offices)
                                   (Zip Code)

                                 (508) 855-1000
                                 --------------
              (Registrant's telephone number, including area code)



Item 7.01.  Regulation FD Disclosure

On September 2, 2004,  Allmerica  Financial  Corporation  announced  that it has
increased its estimate of pre-tax  catastrophe  losses from Hurricane Charley by
$10 million following additional  inspections of the damaged properties and more
complete  information  provided by  policyholders.  The Company expects to incur
approximately  $40 million in pre-tax  catastrophe  losses  related to Hurricane
Charley.  The  anticipated  charges  will be reflected  in the  Company's  third
quarter results. The press release is furnished as Exhibit 99.1 hereto.



Item 9.01.  Financial Statements and Exhibits

(a)  Not applicable.

(b)  Not applicable.

(c)  Exhibits.


The following exhibit is furnished herewith.

     Exhibit 99.1  Press Release dated September 2, 2004, announcing an
                   increased estimate of pre-tax catastrophe losses related to
                   Hurricane Charley.

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SIGNATURES


Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.



                                      Allmerica Financial Corporation
                                      -------------------------------
                                      Registrant



                              By:     /s/ Edward J. Parry III
                                      -----------------------
                                      Edward J. Parry III
                                      Chief Financial Officer,
                                      Executive Vice President,
                                      Principal Accounting Officer and Director





Date: September 2, 2004





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Exhibit Index

     Exhibit 99.1  Press Release, dated September 2, 2004, announcing an
                   increased estimate of pre-tax catastrophe losses related to
                   Hurricane Charley.



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