Reporting Insurance Claims
To
report a claim on your insurance policy, first see if your insurance company is
listed below. If so, you should call the company directly to report your claim.
You will need your insurance policy number when you report the claim. Many of
the companies provide 24 hour-7 day service.
Before you make the call to the insurance company to report your
claim, there are some things you should consider. Ask yourself these questions
before you call the claim in:
Is the dollar amount of my claim likely to exceed my policy
deductible?
If not or by just a little bit, you may not want to call the company!
Call your agent instead and seek advice. It might be in your best interest to
not file a claim. A call to your agent to seek advice about a possible claim
does not constitute the reporting of a claim to the insurance company.
I
have wind damage to my home - do I know what my wind deductible is?
It
may be vastly different from the all other perils (AOP) deductible and the
amount of damages may be less than the wind deductible, making the filing of a
claim unnecessary as you would receive no payment. Check with your agent to
determine what your wind deductible is.
For questions following a disaster click here.
I
have minor damage to my home and have had a previous claim. Should I report
this new claim?
You
may not want to add a second or third claim to your record if you can afford to
pay for the repairs out-of-pocket. It is best to use your insurance policy for
the major claims not for the minor ones and, that being the case, you should
consider having high deductibles on your policy. Call your agent for advice.
I was involved in an automobile accident with another car. The
accident was not my fault but my car sustained damage. Should I call my auto
insurance company and report the claim?
The insurance company will find out about accident sooner or later
when they check your MVR so it does not hurt to call your company. You do not
have to do so, however. If you do report the claim and if you have collision
coverage on the damaged car, your company may assign an adjuster and proceed
with having your car repaired. Do not let that happen, assuming the other party
had insurance. Tell your company you are making the report for information
only. Why? Well, in the first place, the other person’s insurance should pay
for 100% of the damages to your car. Secondly, you will end up paying whatever
deductible you have on your policy (not fair to you) and your auto rates will
increase because your company paid (not fair to you again)!
After
you have read the things you should know before calling in a claim and have decided to
report the claim, we encourage you to call the claim directly to the company as
this will ensure faster service. The company will notify us that you have had a
claim. Of course, you are always welcome to contact us and we will be delighted
to help you in any way.
Important: It
is a condition of your policy that you provide timely notice of the claim to
your insurance company if you are reporting a claim. The
decision to report a claim is entirely yours.
There
are many factors that warrant consideration in the claim filing process. The
above is meant to be a brief overview to assist you in this process. If you
have any questions we encourage you to call us to discuss.
| |
|
Direct Claims Lines |
| ACE Private Risk Svc (Chubb) |
|
1-800-945-7461 (1), Email: PRSfirst_reports@chubb.com |
| AEGIS |
|
1-800-233-2160 option 6 |
| AIG Private Client |
|
(888) 760-9195 Email: afterhour-pcg@aig.com |
| AIG Select/Lexington |
|
(800) 931-9546 Email: LexORGFNOL@aig.com |
| American Bankers Flood |
|
1-800-423-4403(option 3) |
| American Modern Home |
|
1-800-375-2075 (option 1) |
| American Reliable |
|
1-800-245-1505 (5) |
| All Risks (Lloyds) |
|
1-877-346-0300 Crawford |
| American Western |
|
1-800-375-2075 (option 1) |
| Arch Specialty |
|
|
| Arrowhead (Univ of Fl) |
|
1-800-230-4334 (option 3) |
| ASI |
|
1-866-274-5677 (1) |
| ASI Flood |
|
1-866-511-0793 |
| Assurant |
|
1-800-375-2075 (1) |
| Auto-Owners Insurance |
|
(after 4:30 & holidays) 1-888-252-4626 |
| Bankers Ins. Co. |
|
1-800-765-9700 |
| Beazley |
|
(800)994-9719 Email: central@synergyadjusting.com |
| Berkshire Hathaway |
|
1-800-356-5750(2) |
| Bristol West |
|
1-800-274-7865(4) |
| Capital Preferred (FI Select) |
|
1-888-388-2742 (option 1) |
| Catlin Insurance |
|
1-866-351-3062 |
| Centauri |
|
1-866-215-7574 (option 2) |
| Chartis |
|
1-888-760-9195 (3) |
| Chubb |
|
1-800-252-4670(1) Email: PRSfirst_reports@chubb.com |
| CNA |
|
1-877-262-2727 (3) |
| Coastal Select |
|
1-800-774-0112 (2) (1) |
| Colonial Group |
|
1-800-628-3762 |
| Colony Insurance |
|
1-800-577-6614 (option 2) |
| Continental Special Risk (RPS) |
|
1-800-877-2463 (4) |
| CRC (see Southern Cross) |
|
|
| Dairyland |
|
1-800-43-6879 (1) |
| Deep South of Georgia |
|
1-888-802-5246 |
| DUAL (Lloyds) |
|
*866) 391-9675 Email: aquavortexclaims@yorkrsg.com |
| Federated National |
|
1-800-293-2532 (2) |
| Fidelity National |
|
1-800-293-2532 (2) |
| Fidelity National Flood & Excess |
|
1-800-725-9472(4) |
| Firemans Fund |
|
1-888-347-3428(7)CL Email: PRSfirst_report@chubb.com
1-888-347-3428(6)PL |
| First Financial |
|
1-877-434-2667 |
| First Premium |
|
1-800-256-2171(2) |
| Foremost |
|
1-800-527-3907 (3) |
| Frontline |
|
1-866-673-0623 |
| General Star |
|
1-800-584-0835 |
| GEOVERA |
|
1-800-631-6478 (2) |
| Grange Insurance |
|
1-800-445-3030 (option 1) |
| Great American |
|
1-800-584-0835 leave message |
| Hagerty |
|
1-800-922-4050 (5) |
| Harleysville Mutual (Flood) |
|
1-800-421-3535 (2) (2) |
| Hamilton |
|
(609)349-7740 Email: PRSfirst_reports@chubb.com |
| Hanover |
|
1-800-628-0250 |
| Hartford Commercial Lines |
|
1-800-327-3636 (1) |
| Hartford Personal Lines |
|
1-800-243-5860 (option 1) |
| Hartford Flood |
|
1-800-787-5677 (option 1) |
| Hartford Omni |
|
1-800-727-6664 (option 1) |
| Haulers |
|
1-866-665-1003 |
| Home Builders Insurance Program |
|
1-800-987-3373 (1) |
| Homeowners Of America |
|
1-866-407-9896 (3) Email: claims@hoaic.com |
| Hull & Co |
|
|
| Insurance House |
|
1-800-282-7024 |
| Interboro |
|
1-888-256-3378 |
| ICAT |
|
1-800-754-6919 (1) |
Lexington (AIG)
|
|
1-877-873-9972 |
Lexington, Chartis Condo
& HPR Specialty Policies |
|
1-866-391-9675(1) |
| Lighthouse |
|
1-877-852-0606 (2) |
| Liberty Mutual |
|
1-800-561-0178 (4) |
| Ironshore |
|
(800) 446-9195 Email: ironshoreho@raphaelandassocialtes.com |
| Lloyd's Preferred |
|
(877) 270-2581 Email: orchid@pibadjuster.com |
| Johnson & Johnson Special |
|
1-800-487-7565 ext 5024 |
| Main Street America |
|
1-877-425-4267 (3) |
| Markel |
|
1-800-365-7535(9) |
| Montgomery |
|
1-800-561-0178(4) |
| National Casualty |
|
1-800-423-7675 (option 1) |
| National Flood Service |
|
1-800-759-8656 (1) |
| National Indemnity |
|
1-800-356-5750 (2) |
| National Security Fire & Casualty |
|
1-866-253-2145 (1)
1-800-798-2092(1) |
| Nationwide Flood |
|
1-800-421-3535 |
| Nautilus |
|
1-800-842-8972 |
| MetLife (Commercial) |
|
(855) 500-3695 Email: scmsnic@sedgwickcms.com |
| Northland (Transportation) |
|
1-800-328-5972 (option 1) |
| Occidental |
|
1-800-780-8423 (option 7) |
| Ocean Harbor |
|
1-866-482-5246 |
| Penn America |
|
1-800-788-4780
1-610-660-8877
1-800-621-5410 (after hours emergency line) |
| Philadelphia |
|
1-800-765-9749 (option 3) |
| Progressive |
|
1-800-876-5581 |
| PURE |
|
1-888-813-7873 (option 1) |
| RPS Roswell |
|
1-800-877-2463 (4) |
| Rockhill |
|
(772) 237-8531 Email: rhnewpropertyclaims@rhkc.com |
| QBE |
|
(800) 362-5448 Email: orchid-claims@us.qbe.com |
| Safeco |
|
1-800-332-3226 (option 1) |
| Scottsdale |
|
1-800-423-7675 (option 1) |
| Southern General (Insurance House) |
|
1-800-446-9973 (1)(2) (2) |
| Southern Fidelity |
|
1-866-722-4995 (1) |
| St. Johns |
|
1-877-748-2059 (3) |
| Starr Indemnity |
|
1-866-391-9675 (option 1) Email: 6599starrbop@yorkrsg.com |
| Travelers Home & Auto |
|
1-800-252-4633 (option 1) |
| Travelers Flood |
|
1-800-505-0193 (option 2) |
| Travelers Commercial |
|
1-800-238-6225 (option 1) |
| Travelers Boat & Yacht |
|
1-800-252-4633 (option 1) |
| United Marine Underwriters |
|
1-800-477-7140
1-502-523-3929 (emergency line) |
| United National Group |
|
1-800-788-4780
1-800-621-5410 (after hours line) |
| Universal of Florida |
|
1-800-453-8610 (3) |
| Universal P&C |
|
1-800-218-3206 (option 2) |
| Universal North America |
|
1-866-999-0898(1)
1-888-846-7647 |
| USLI/Mt Vernon |
|
1-888-523-5545 (option 3) |
| Voyager Indemnity |
|
1-800-245-1505(5) |
| Viking |
|
1-800-334-0090 (option 5)
1-800-462-6342 (option 5) |
| Wright Flood |
|
1-800-725-9472 (option 4) |
| Zurich |
|
1-800-808-6412 (option 2)
1-800-987-3373 (option 1) |
| Zurich-Marine |
|
1-800-527-3907 (option 3) |
|