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.
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.
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.
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:
*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.
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.
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.
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.