Claims

While we hope you never need it, understanding the claims process can make things smoother if the unexpected happens. We’ve outlined each key step below, from initial reporting to receiving payment, to help guide you through the process.

Navigating Your Insurance Claim Step-by-Step

📞 Connect with Us or the Insurance Carrier First
Your broker is your primary contact for all things related to your insurance policy. We’ll help you understand your coverage and what you’re protected for. If you experience a loss, reach out to us at [email protected] or contact your sales agent. Provide a detailed description of the incident along with supporting photos, videos, or a list of lost or damaged items.

Next, file the claim with your carrier (See below). Here’s an overview of the main steps involved:

1. Contact Your Insurer or Reach Out to Us for Assistance
2. Document the Incident with photos, videos, or written accounts
3. Complete Claims Forms provided by the carrier
4. Submit Supporting Documentation as requested
5. Cooperate with the Investigation process
6. Review Settlement Offer with the adjuster
7. Accept or Negotiate the Settlement if needed
8. Receive Payment once approved
9. Complete Repairs or Replacements
10. Follow Up if Needed to ensure all elements of the claim are closed

🔍 Investigation Begins
Once your initial report is submitted, a claims adjuster will reach out to assess the situation. They may ask for additional documentation, witness information, or contact details for other parties involved. These details help the adjuster determine what’s covered under your policy.

📄 Review of Your Policy
The adjuster will thoroughly review your policy to identify covered and non-covered items and inform you of any deductibles or limitations that may apply.

📝 Damage Assessment
To accurately assess the extent of the damage, the adjuster may work with specialists such as appraisers, engineers, or contractors. This ensures that the repair and recovery process meets your needs. We can provide a list of trusted service providers if you’re interested, though you’re welcome to select vendors of your choice.

💵 Payment Arrangements
After repairs are completed or items are replaced, the adjuster will arrange payment and finalize your claim. The timing for this step can vary, but we’re here to keep the process moving as efficiently as possible.

For easy reference, we’ve attached a Claims Checklist to guide you through the documents and details you’ll need.

Please don’t hesitate to reach out if you have questions or need assistance along the way. We’re here to make this process as simple and stress-free as possible