Insurance FAQs

What If I Have a Claim?

Our office staff would be more than happy to help you with any claim issue that might arise; however, we also realize that sometimes claims happen after office hours. Please don't hesitate to call our office so we can help you navigate your claim, but also use the following as a reference for how to react when a claim occurs.

Q. I've been in an accident - what now?
A. 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 occurred
  • What kind of vehicle or vehicles were involved (including the year, make, model)
  • A description of the damage on each vehicle
  • The names and contact information of people involved in the accident
  • The extent of any injuries to people involved in the accident
  • The names and contact information of anyone who witnessed the accident
  • The name of the law enforcement agency of officer that responded and the policy report number, if police were contacted

Q. I have damage to my property - what now?
A. Call your insurance carrier and let them know:

  • 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

Q. Do I need to protect my home from further damage?
A. Yes, once it is safe to do so, it is your responsibility to protect your property from further damage.

  • Arrange for reasonable temporary repairs such as boarding up broker windows, covering the roof, and removing debris
  • Keep a list of any temporary repairs you make to document the damage, and make sure to save your receipts
  • If possible, place damaged items in a secure area where they can be inspected; if you are unsure about an item, include it with the damaged property
  • If you have fire or smoke damage, do not try to clean the damaged items; sometimes cleaning things without the proper equipment can cause more damage