Insurance Partners

Insurance Claims

For urgent claim situations, we always encourage you to call the carrier’s claims department directly to file the claim. If it is a non-urgent situation, feel free to call our office first, and we can help you determine if filing the claim is the right choice.

1) You want to make sure that the claim could potentially be covered – that the damage was sudden & accidentally caused by a covered peril. We often run across people wanting to file claims on yard leaks, for example, that wouldn’t be covered.

2) You want to make sure the claim amount will exceed your deductible, or else you will put a claim on your insurance record and end up paying for the repair out of pocket yourself.

The above should help you avoid filing needless claims. We see rates skyrocket because a client filed multiple claims that either didn’t pay out or paid very little. Even claims that do not pay out can count against you and affect your future rates.