Filing a Claim

Before filing any claim with your insurance carrier, contact us first. In some cases, filing a claim could result in an increase in premium or even cancellation of coverage. In any event, here are some helpful tips on filing a claim in the event of a loss.

Filing a Homeowners Insurance Claim

Don’t wait. Contact us immediately. Giving us notice of damages immediately will help smooth over your homeowners insurance claim process.

Assess, record the damages. Document any damages that occur in your home. Take photographs or video (closer photos provide more details) of your furniture, any damaged rooms and walls, your own personal belongings, etc. Don’t dispose of the damaged content; your homeowners insurance claims adjuster will want to inspect them. Write everything down that you know is damaged, could be damaged, or missing to make up an inventory list.
*Sidenote: If you have documentation (photos, video, receipts, serial numbers, etc.) of your home’s content from before the damage occurred, that would make the claim process run even more smoothly, allowing the adjuster the opportunity to compare the “before” and “after” conditions of your property.

Don’t let anything get further damaged. Try to secure your home as much as possible to mitigate any further damage.

Go with the flow. Please be patient. If your claim is due to a climate disaster in the area, your neighbors are also trying to file homeowners insurance claims so the most severely damaged homes will be dealt with first.

Update Your Policy
Get an annual review on your insurance policy. ‘things change, values increase and decrease so make sure we know if you’ve done improvements to your home that have increased the value. And remember that combining auto and homeowners can result in substantial savings.

Filing a Vehicle Insurance Claim

1. Evaluate whether or not you should file an insurance claim. Did you know that just when you call your insurance company with a question about possibly filing a claim it may be recorded on your insurance record? You want to keep your insurance record clean and one way is deciding whether or not you should file a claim. It doesn’t matter if the accident is your fault or not, first ask yourself if you can pay for the damage without financial hardship. If you can, do it.
2. Stay Calm but get the necessary information. Yes, you’ll be shook up or even injured, but do not leave the scene until the police arrive. Meanwhile, take down the location of the accident, date, time of day, names, addresses and phone numbers of everyone involved, car and license plate numbers and vehicle identification number of the other car – regardless of who was at fault. If you have a camera or smartphone to take photos, do it now.
3. Call your agent. Call us as soon as possible. Your Proof of Insurance card should be in your glove box and will have the necessary information for you, the other party and the police.
4. File the claim ASAP: You will want to file the claim as soon as possible with your insurance company. Even if it is not your fault, your insurance company will handle the claim process as your advocate.
5. Prepare for a possible call from the other insurance company: You may get a call from the other driver’s insurance company asking for your version of what happened at the accident scene. If this happens make sure you document everything you say and the name of the customer service agent you talked to.
6. Finally, getting your car fixed: After your claim is approved, you will likely get a call from your insurance company about sending an insurance adjuster out to assess the damage or asking you to send your car to a pre-approved shop or a shop of your choice to get it fixed.