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Claim Information

Property Damage

Coverages vary to comply with state laws. Also, Insurance policies vary. This is a general description of coverages and is not a statement of contract.

Promtly Report damage

Inspect your car, boat and home for damage. Take notes and pictures of any damage that you find.

  • When you report your claim, we will need to know how severe the damage is.
  • We will also need to know if your car is safe to drive.
    To speed up the claim process, it helps by making a complete room-by-room inventory of your damage and your damaged property.

Your claim representative will also provide forms that describe the information we need to determine your loss.
Its a good idea to have videos, photos and receipts of all of your personal belonglings.

Include complete descriptions. These descriptions should include the following if possible:

  • Brand names of items
  • Model numbers of items
  • Age of items
  • Purchase price of items
    Place of purchase of items
  • Appraisals and photos
What to expect:

 When you call your carrier to report the loss, a customer service professional who will look up your policy information, check your coverages, verify your policy and contact information and will document the details of your claim.

  • A claim will then be assigned to a claim professional who is licensed who will thoroughly investigate your claim.
  • Your assigned adjuster will contact you to review the claim process. Sometimes they will need to set up a time to inspect the damage in person. You may also have the option of bringing your vehicle to a body shop of your choice or a claims service center for an estimate if there is one in your area. 
  • The body shop or adjuster will work together and will prepare a detailed written estimate outlining all of the covered damage and what it should cost to repair the damage or they will declare if the vehicle will be deemed a total loss 
  • During the course of repairs, your auto repair shop may find additional items that need to be repaired. This is normal. If it happens, have your repair shop contact the claim professional directly to discuss next steps. We may need to conduct another inspection to adjust our estimate.
  • Throughout the process, a claim professional will be there to serve as your guide. We understand that most of our customers are not insurance experts, so we are here to make sure you receive all the benefits owed to you under your policy.

    In a catastrophic loss the claim representatives will visit the most severely damaged homes first

  • If your house is only slightly damaged, you may wait longer than customers with severe damage
  • If you can't live in your house, talk to the adjuster about an advance payment to help with temporary living expenses
  • Save all of your receipts for your additional living expenses for your claim representative
  • Your claim representative will process an estimate of the damage to your house - sometimes it's necessary to have a contractor or engineer also inspect the damage; you can seek out your own contractor
  • Select contractors that are experienced in repair work, not just new construction
  • After the damage to your home has been established, the initial payment will be for the actual cash value of your damaged building
  • Once repairs are completed, you may be entitled to additional payments if your policy has replacement cost provisions depending on state laws and how your policy is writen
  • Some repair costs may not be covered unless you have purchased a specific endorsement. The cost of building code upgrades is one example- review your policy BEFORE the loss to avoid frustrations later
  • Actual cash value of your personal property will be paid as soon as it is established. Some policies allow for additional payments when items are replaced depending on how your policy is written

Auto Coverage

What to do after an auto accident

  • Move out of the way of traffic and turn your hazard warning lights on.
  • Always call the police,  even if it is a minor accident. If someone is injured, request medical assistance. If fire is involved, let 911 know when you call.
  • Do not discuss the accident with anyone other than the police or your insurance representative.
  • Exchange all of the necessary information with the other driver(s). Be sure to write down the other driver's name, address, phone number, license plate number and insurance information. Also write down the contact information of all witnesses.
  • Report the accident to us ASAP. The faster you report your claim, the sooner we can get you back on the road.

You can also find more information on your insurance carriers website by clicking on the important links section of our website or by reviewing your insurance policy for your auto, home, life, business or car insurance.

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