an accident or loss is a tragic and stressful situation.
We want to "Ease" your concerns over such
you need to file a report with an Insurance Company,
use the Auto Claim
Report and Property
Claim Report to document a comprehensive account
of the occurrence so that we may assist you in having
your claim reported to the company as soon as possible.
We suggest you download and print the short form "Details
of Accident Form" and keep it handy in the
vehicle. These are also provided as handy cards with
every liability card holder that we send to our clients.
to do for Burglary or Break & Enter:
first, please ensure safety for you and your family
proper authorities once you are safe
entering the home, if you notice that someone has entered
illegally, please exit the home and contact the police
immediately. The police will search the home to make
sure that it is safe to enter the premises again. Once
the home is secured, walk through the home and make
note of the damage and items missing. Contact a 24/7
Glass or Door company to get the property secured to
prevent against further loss or damage. Contact our
office or the Insurance companies - we can direct you
on who to contact, or will contact someone for you.
the building immediately and contact 911. Ensure safety
of your family. Do Not try to put the fire out yourself.
Proper fire insurance will provide living arrangements
while you are forced from your home of any cost over
and above your normal monthly expenses. Should you require
clothing, food, etc - proceed to get the necessary items
and hold all receipts. Fire is a very tragic event that
can leave you totally confused and concerned over what
to do. Should you have any questions, please contact
our office or the appropriate claims
office for help.
are 4 types of water damage and each have different
Escape - pipe burst: pipes within the home have
ruptured causing water damage to the area.
Back Up - brown water entering the home from the
main storm drain within the home. If sewer back up is
not purchased, the claim will be denied. This usually
occurs when the outside storm or sewer drains are blocked
or over loaded due to volume.
- when a river or lake exceeds its natural banks
- water entering in through a crack in the wall,
floor or windows. This is not covered as it is a maintenance
issue and needs to be tended to ASAP as the continuing
damage that occurs will not be covered. Usually as result
of continued seepage mold and fungus start to grow -
which is not covered.
the event of water damage from a burst pipe, sewer back
up or flooding, to prevent against additional losses
occurring and cost increasing, it is your obligation
to do whatever is necessary to help reduce a claim.
Shut off main water supply to home for burst pipe
if no separate shut off value available
Lift any items off the floor or move items to higher
ground (sewer back up)
or purchase Shop Vac to remove the excess water or
sludge from the floor
Contact the Insurance Claims office for a contractor
if damage is high.
In The Event of a Death:
please contact our office
copy of Death Certificate
a letter to request cancellation or changes of ownership
direction is needed from you, the client.
the deceased has purchased Life Insurance through
our office and is currently still in force, a copy
of the death certificate is required to obtain the
Power of Attorney or Power of Care is available, please
submit copy of documents to our office.