How to File a Claim

When disaster strikes, we are here for you. We are here to answer your questions, ease your anxiety, and keep you updated on the status of your claim. Understanding what submitting a claim looks like is what will empower you. We have done our best to  break down the process for you below. We want you to feel prepared and to know what to expect.

Step 1: Keep a record of everything

When a disaster happens, taking photos right after is the best time. Take photos of the incident. Write down the date and time. If a police report is needed, be as detailed as possible and keep a copy for your records. Below are some distinction you should keep in mind between a business insurance claim and auto insurance claim.

Business Insurance Claims: With a business insurance claim, speak with us or your carrier, so we can identify if the claim is even covered under your policy or if it exceeds the deductible. Take photos of the damaged site and record the date of loss.

Auto Insurance Claims: For auto accidents, you must contact your carrier (your insurance company) directly and immediately. Tell them everything about the accident.

Step 2: Contact your carrier or us

Contact your insurance company. Take a look at our Carriers page and find your insurance provider. If you feel like you need some assistance, contact us, your agent.

Step 3: Provide all the information

Give all the information and paperwork your carrier needs. This part of the process varies among carriers, but the point is for the carrier to gather all necessary information regarding your claim. This means:

  • Insured’s (you) contact information
  • Police report; any paperwork if an authority was contacted.
  • Detailed account of what happened
  • All the names of the parties involved, their contact information, and their insurance information
  • A compiled list of lost items


*Do your best to provide all the necessary information regarding your claim to your carrier or us. Claims can be complicated and involve periods of waiting. Providing all the necessary forms and information will help the process run more smoothly.

Step 4: Wait for your adjuster’s contact information

What is an adjuster? An adjuster is a person from your insurance company who is trained in handling claims. When assigned to you, your adjuster will be your point person to speak with if you have questions about your claim.

If you reported to your carrier: You will get a claim number. You may wait anywhere between a few minutes to a day for your carrier to give you your adjuster's name and contact information.

If you reported to us: We will help you report your claim to the carrier and then let you know the claim number. You may wait anywhere between a few minutes to a day for your carrier to give you your adjuster's name and contact information.

Your carrier or we will let you know who your claim adjuster is, their phone number, and email address.

Step 5: Your adjuster will call you

Your adjusters will call you and help you with your claim. After this, all things in regards to your claim will be handled by your adjuster. Your adjuster is your point person.

Step 6: Wait to hear from your adjuster

Your carrier (insurance company) will let you or us know if your claim is covered. It will take at least 3 days to hear from them, so don’t worry. They will get back to you. This part of the process varies among carriers and insurance types.

Things to keep in mind

  • Take photos, take photos, take photos of the incident right after it happens. (Tip: “Why do you think the accident was the other party’s fault?” Use photos to prove this.)
  • Speak with your adjustor and gather all the right information. If you are confused, ask us or your adjuster for clarification.
  • Your company’s claim department will ask many questions about the details of the claim, such as, “Did you report to police department yet? What was the officer’s badge number? What items are lost?”
  • Auto accident: Do you have the other party’s name, drivers license number, insurance information, phone number, email address? Make sure to gather this information.

What documents are important to have when filing a claim?

  • A police report (You can obtain and purchase a police report at the station in which you reported the loss. We unfortunately cannot do this for you.)
  • If it’s a worker’s compensation case, you need specific claim documents, like an Employer Claim Form and an Employee Claim Form (You can get these forms from us, your agent.)
  • If it’s auto insurance, you need your and the other party’s driver's license number, insurance info, and ideally a police report.
  • A compiled list of lost items.

How can we help you?