Filing a Claim
Filing a Claim
If you would like to know the impact of a potential claim on your premium, please call or submit your question to us directly via email before filing the claim. Once a claim is called into the insurance company it cannot be removed…even if nothing is paid. If you have a claim that needs to be reported immediately (house fire, car accident with injuries, etc) you can refer to the contact information listed on your insurance card or your policy. Below is a list of claims, billing, and customer service numbers along with websites of our carriers for your convenience.
HURRICANE FLORENCE IS HERE
Our agency is standing ready to expedite and assist our insurance company partners with reporting and even settling/paying claims in some cases. Please don’t hesitate to call our office if you have damage to report. The voicemail will be monitored 24/7 and an agent will return your call promptly- even after hours. Here are some frequently asked questions that occur when a storm hits:
Is water damage covered? The answer depends on a variety of factors. Here are the most typical situations:
Yes- if it is a mobile home policy (not a dwelling/fire policy), auto policy with comprehensive coverage, inland marine policy, or a flood policy.
Maybe- if the water is backing up from INSIDE the building and you have a Sewer/Drain backup endorsement on your policy or if the damage is from a busted pipe or waterline.
No- if you do not have flood insurance and there is no sewer/drain backup endorsement on your homeowners/renters or commercial property policy.
EVEN IF YOU DO NOT THINK THERE IS COVERAGE, YOU SHOULD REPORT ALL WATER CLAIMS TO OUR OFFICE. YOU MAY BE ELIGIBLE FOR FEMA BENEFITS.
Is wind damage covered? If your house is not in a coastal county- odds are that your policy includes wind coverage by default. If your property is in a coastal territory, then you may need to confirm you have a separate wind policy or coverage with the Wind Pool in your state.
Are fallen trees covered? If your policy covers wind, then generally, it will cover the cost to remove trees that have damaged your property. It will pay for the removal that is required to repair/replace the property and there may be some sublimits. If the tree has not damaged your property and is not blocking your driveway, then the removal is likely not covered.
Can I use my own contractor? yes, and most insurers will encourage you to do so if you have one that is standing by to do the work. Everyone’s resources are maxed out at times like this so “first available” is the general philosophy for making repairs.
Erie Insurance: (Glass Claims) 1-800-552-3743 (all other claims- call our office) 704-987-3901
National General: 1-800-468-3466
Liberty Mutual: 1-800-561-0178
State Auto: (Glass Claims) 1-888-504-4527 (all other claims) 1-800-766-1853
American Modern: 1-800-334-4311
Lititz Mutual: 1-855-725-5642
Universal Property & Casualty: 1-800-470-0599
US Insurance: 1-800-874-1738
American Bankers flood insurance: 1-800-245-1505
CNA Surety: 1-800-331-6053