Homeowners/Renters Loss Procedures

We're sorry to hear that you've had a loss. Be aware that it is impossible to determine if your loss is covered until your policy is reviewed. Your agent will do this when you call during business hours to report your loss. Also a check can be made to see if any deductibles apply. If your loss IS covered, the claims adjuster will do his best to promptly pay for your loss. The adjusting process will be moved along as quickly as possible but be prepared for the inconvenience most losses cause to your normal routine. While waiting to call with a full report these guidelines may help.

Our first concern is the same as yours, that any injured persons are being taken care of properly. We trust that you have already seen to that. Please be sure to keep all bills so they can be reviewed by the adjuster. Some of these may be covered and you will be repaid if they are.

The next concern is that the loss not grow bigger. Take reasonable steps to protect your property, damaged or not, from further loss or damage. That may mean boarding or sealing damaged areas of your home to keep out the weather, or moving the damaged items into your home or garage etc. Again keep your bills, they MAY be covered by the insurance.

Take any reasonable steps to protect your home and it's contents from further damage. If some or all of the furnishings are a part of the loss, you can help the adjusting process by starting a list of the damaged, destroyed or missing items. If your loss is from a break in or other criminal act, you should report it to the police.

If your loss involves some other type of property, secure and protect it as well as you can. Retain any bills you pay to protect it. Some of these expenses MAY be repaid by your insurance.

If you are one of our clients please check the 'Reporting Loses and other help' page for toll free claim phone numbers or call your agent as soon as possible during business hours so a formal claim report can be made (Nothing gets started until the paperwork is prepared). While making the report you can find out if your loss is covered and what deductibles apply if any. If you are one of our clients and your call to us involves a toll, call us collect.