• The most important thing is to report the claims as soon as possible.  Never hesitate to call us at home if our office is close.  Our contact information is available here.
  
• Do what you can to limit the loss.  If there is a broken window, cover it with plastic.  Do the same with a hole in the roof.  Use common sense, as companies consider the cost of temporary repairs to be part of the claim.
  
  
• Call us anytime during the claims process.  We are not always kept informed by the company adjusters, so if something isn't going well, we need you to call us.
  

 Common Steps In An Auto Claim

1. You report the claims to us, and we pass the information to the insurance company.  Or if you report your claim directly to the company, the next day we will usually receive a notice of the claim from the company.
   
2. The adjuster from the company will contact you, usually within 48 hours of being reported, and take a statement from you about what happened.
   
3. The company will usually want to inspect the vehicle.  Either the adjuster will come to see the car, or send an appraiser.
   
4. You need to get 1 estimate from the body shop of your choice.  Keep a copy and ask the body shop to fax or email a copy to us.
   
5. The insurance company will come to an agreement with the body shop regarding the cost of the repairs.  The adjuster will let you know when it is OK to make the repairs.
6. Car valuations in the event of a total loss are sometimes difficult.  Perhaps a few of these sites will help:  Kelly Blue Book,  NADA Guides.
   

Common Steps In A Home Claim

1. First, do what you can to limit the amount of the loss.  Put a tarp over a hole in the roof, or cover that window, or whatever else you need to do to protect your home.
   
2. Report the claim to us, and we pass the information on the insurance company.  Or if you report your claim directly to the company, the next day we will usually receive a notice of the claim from the company.
   
3. The adjuster from the company will contact you, usually with 48 hours of being reported.  They will make arrangements to inspect the damage or have you submit an estimate.
   
4. You need to get 1 estimate from the contractor you want to do the repairs.  Keep a copy and ask the contractor to fax or email a copy to us.
   
5. The insurance company will come to an agreement with the contractor regarding the cost of the repairs.  The adjuster will let you know when it is OK to make the repairs.
   

Remember, things can go wrong.  If at any time you are unsure about what to do, call us!

 Who To Call When You Have A Claim

These are offered only as suggestions and is not a comprehensive list.