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): August 25, 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)




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Item 7.01. Regulation FD Disclosure

On August 25, 2004, Allmerica Financial Corporation announced that it expects to
incur  approximately  $30  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 August 25, 2004,  announcing  third  quarter
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/ J. Kendall Huber
                                                 ------------------------
                                                  J. Kendall Huber
                                                  Senior Vice President,
                                                  General Counsel,
                                                  and Assistant Secretary







Date: August 25, 2004


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Exhibit Index

Exhibit 99.1 Press  Release,  dated August 25, 2004,  announcing  third  quarter
             catastrophe losses related to Hurricane Charley.




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