Report A Claim


We hope you never need our support for this but, claims happen! We are here to work for you. Please feel free to contact us to assist you throughout your claim experience. In many cases, contacting your carrier’s claims department may be the fastest method of initiating a claim, so consider contacting them directly in an emergency and follow-up with your agent as soon as you can. Question: I’ve been in an accident – what now?

Answer: Start by reporting your claim to your insurance carrier. They need to know:

Question: I’ve been in an accident – what now?
Answer: Start by reporting your claim to your insurance carrier. They need to know:


⦁ When the accident occurred
⦁ Where the accident occurred (be as specific as possible)
⦁ How the accident happened
⦁ What kind of vehicle or vehicles were involved (including the year, make, and model)
⦁ A description of the damage on each vehicle (take a picture with your phone)
⦁ The names & contact information of people involved in the accident (including witnesses)
⦁ The extent of any injuries to people involved in the accident
⦁ The name of the law enforcement agency that responded and the police report number, if police were contacted

Question: I have damage to my property – what should I do?
Answer: Call your insurance carrier and let them know the following:


⦁ When the incident occurred
⦁ A general description of what happened
⦁ The location of the damaged property and what was damaged
⦁ The condition of the home and if it is still livable
⦁ If temporary repairs are needed
⦁ If the fire or police department was contacted, which department responded and any report number
⦁ Your contact information and the best time to reach you
⦁ Remember that a series of home claims over time will have a negative impact on your risk factors and may impact your insurability and/or premiums
⦁ Always consider the potential future impacts of filing a claim when minor repair expenses are expected

Question: Do I need to protect my home from further damage?
Answer: Yes, when safe to do so, it is your responsibility to protect your property from more damage.


⦁ Arrange for reasonable temporary repairs such as boarding up broken windows, covering the roof, and removing debris
⦁ Keep a list of any temporary repairs you make to document the damage, and make sure you save your receipts
⦁ If possible, place damaged items in a secure area where they can be inspected and if you are unsure about an item include it in with the damaged property
⦁ If you have fire or smoke damage, do not try to clean the damaged items as this can sometimes cause more damage

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