Insurance Claims Assistance

The time you need us most is in the event of an insurance claim.  We are available if you wish to report your claim directly through us.

In the event of a loss and to expedite the claims process, we encourage you to report your claim directly to your insurance carrier.  In the event of a hurricane/storm, we will be open as soon as possible to assist you with your insurance claims.  However, with our experience from past hurricanes/storms it may take some time for our phones and computer systems to be operational.

Here are a few helpful hints for reporting Property/Flood Insurance claims:

• Beware of Hazards. Check for damage, including structural damage before re-entering your home. Contact the appropriate professionals immediately if you suspect damage to water, gas, electric and sewer lines. Throw away water-damaged food including canned goods that have come in contact with floodwaters. Boil water until local authorities declare the water supply safe to drink.
• File your Insurance Claim. Call your agent who handles your insurance to file a claim. Have the following information with you when you place your call: (1) the name of your insurance company (your agent may write policies for more than one company); (2) your policy number; and (3) a telephone number/e-mail address where you can be reached.
• Claims after hours.  If we are not available, or your claim is after hours, we have a 24 hour hotline that is monitored at night and on the weekends.  Call the office and follow the prompts to the Claims Assistance extension.  You can also call your claim in direct to the company, in case our phones are not operational after a storm. 
• Take photographs. To make filing your claim easier, take photographs of any damage to your property and damaged personal property. If necessary, place these items outside the home. Your adjuster will need evidence of the damage and damaged items (e.g.: cut swatches from carpeting, curtains, chairs) to prepare your repair estimate.
• Make a list of damaged or lost items and include their age and value where possible. If possible, have receipts for those lost items available for the adjuster. Local officials may require the disposal of damaged items. If so, keep a swatch or other sample of the item(s) for the adjuster.
• Gather any documents, such as photographs, receipts and itemized lists you made prior to the claim.
• Prevent mold and remove wet contents immediately.
• Work with the adjuster to calculate the damage in order to prepare an accurate estimate.

 

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