Filing Your Claim Is Simple, and We're Here to Guide You
We know dealing with a claim can feel overwhelming, and that's exactly why we're here. Before you file, we encourage you to reach out to our team first. As your independent agent, we can advise you on the best path forward and help you navigate the process with confidence. We have Spanish-speaking agents available to assist you, and whether we guide you through it or you choose to file directly with your insurance carrier, you won't be doing this alone.
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Common Questions About Filing an Insurance Claim
When you reach out to us first, we'll review the details of your incident and your policy coverage together. We'll help you understand your deductible, potential rate impacts, and whether filing makes financial sense. If moving forward is the right choice, we'll walk you through exactly what to expect, connect you with the right adjuster, and follow up to make sure your claim is handled properly. We stay involved as your advocate throughout the entire process.
If you need immediate roadside assistance, glass repair, or rental car services, you can contact your carrier directly using the number on your insurance card for faster service. For after-hours emergencies where property needs to be secured or injuries have occurred, calling the carrier's 24/7 claims line makes sense. However, we still recommend giving us a call the next business day so we can monitor your claim and ensure you're getting the coverage you deserve.
First, ensure everyone's safety and contact emergency services if needed. Document everything with photos and videos of the damage, get contact information from anyone involved or witnesses, and avoid admitting fault. If it's a vehicle accident, exchange insurance information with other drivers. Then contact us as soon as possible. The sooner we know about the incident, the better we can guide you on next steps and help protect your interests.
Yes, you should take reasonable steps to prevent further damage, like placing tarps, shutting off water, or using buckets to catch leaks. Document everything with photos before and after your temporary fixes, and save all receipts. These emergency mitigation costs are typically covered. Call us right away so we can advise you on the next steps and help determine if the damage meets your deductible before you invest in permanent repairs.
This is exactly why calling us first matters. We'll help you get a repair estimate and compare it to your deductible and potential rate increase. If the damage is only slightly more than your deductible, paying out of pocket might save you money in the long run. We'll run the numbers with you and explain how a claim might affect your premiums so you can make an informed decision.
File a police report immediately if there was theft or vandalism. Document all damage and missing items with photos and video. Don't clean up or make repairs until you've documented everything, unless it's necessary to secure the property. Then contact us before you file with your carrier. Business claims can be complex, involving property damage, lost income, and liability issues. We'll help you understand what's covered and ensure you're claiming everything you're entitled to under your policy.
Our bilingual team members can assist you in Spanish from start to finish. Whether you need help understanding your policy details, explaining what happened during the incident, communicating with the insurance carrier, or reviewing settlement offers, we'll make sure language is never a barrier to getting the support and coverage you deserve.
