Important questions when considering filing a claim:

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.