Home Claims

In the aftermath of a fire or storm you may sustain exterior damage to your house. In that event you must and are authorized to take certain emergency measures. If the storm is wide spread, you may have to act on your own for a few days. Be sure to act responsibly if you find yourself in that position.

Serious Property Losses
  • Get your family to safety

  • Arrange for emergency shelter for your family

  • Take photos or videos
    Include all sides of your house with close-ups of damaged areas. If possible, do this before emergency repairs are started.

  • Do not sign any agreements
    People may approach you offering to help you submit the claim or adjust your loss for a fee. See our warning about Public adjusters. We will help you and answer any of your questions. Your insurance company will provide you with a professional adjuster free of charge.

  • Protect your property to prevent further loss.
    Your policy requires you do this and will pay for reasonable expenses to do so. If the roof is damaged cover it with a tarp to protect against the weather. If necessary remove tree limbs from the building. Cover openings on the sides of the building with plywood to prevent damage by weather, looters or vandals. Our Helper Network may be able to help you.

  • Report the claim to us as soon as possible.
    You can use our on line form. Report a Claim?

  • Keep records and receipts for all expenditures for emergency repairs and emergency lodging.

  • Leave a forwarding address where we and the insurance company can reach you.
What can I expect next

Other Property Losses
  • Protect your property to prevent further loss.
    Your policy requires you do this and will pay for reasonable expenses to do so. If the roof is damaged, cover it with a tarp to protect against the weather. If necessary remove tree limbs from the building. Cover openings on the sides of the building with plywood to prevent damage by weather or vandals. Our Helper Network may be able to help you.

  • Report any theft losses to the Police immediately

  • Report the claim to us as soon as possible.
    You can use our on line form. Report a Claim?

  • Keep records and receipts for all expenditures for emergency repairs and locate any receipts you might have for the damaged property.

  • Make a list of items lost or damaged. Inventory sheets or vidios you may have taken might help you in remembering missing items or help prove you had such an item
What can I expect next

Liability Losses

A liability loss is one which your negligence has caused someone bodily iInjury or property damage. It would include (but not limited to) such things as a slip and fall on your property or your pet has bitten somone.
  • Get proper medical help for injured parties
  • Do not admit fault
  • Do not discuss your policy coverage with any one.
  • Jot down the important information.
    Obtain the name and contact information of the people involved.
  • Observe the area and the conditions around you.
  • Witnesses can be very helpful.
    Obtain their names and contact information.
What can I expect next

 

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