insurance claim home
insurance claim auto

Insurance claims – to file or not to file?

No one wants to have damage to their home or autos, but it happens and when it does, it’s important to know what to do and what your options are. Most people don’t file insurance claims very often and therefore don’t know what to do or what to expect. This uncertainty can cause undue stress and anxiety. Generally, it’s best to have the damages assessed by a trusted contractor or body shop first. You can then compare this amount to your deductible and make a decision that is best for you.

If you have a potential claim on your home…

  • In an emergency, dial 9-1-1 immediately
  • Shut off water supply if necessary
  • Evaluate the situation and try to prevent further damage
  • Before you call your insurance company to file a claim, have a licensed contractor give you an estimate on repairing the damage.
  • When the estimated cost of repairs exceed your deductible on your homeowner’s policy, you might consider filing a claim (take into consideration filing claims will cause an increase in future rates for the next 3-5 years)
  • Call us or send us a message to discuss your options and get answers to your questions.

If you have a potential claim on your auto..

  • Whenever possible, move out of harm’s way
  • Get medical attention for anyone in need
  • Call the police to ensure the proper reports are filed
  • Always exchange insurance & contact information with all parties involved
  • Take pictures or video of scene if possible (many companies now have phone apps with this feature)
  • Know your coverage so you can make an educated decision on whether or not the damages exceed your deductibles
  • Call us anytime you’re involved in an incident so we can provide your proof of insurance directly to the BMV- (providing your ID card to officer as proof is not sufficient!)
  • Call us or send us a message to discuss your options and get answers to your questions.