Should I File a Claim?
Here are some things to consider if you are deciding whether to file a claim:
- Was anyone injured?
- Did you damage someone else’s property or vehicle?
- Is it unsafe to live in your home or drive your car?
- Are the damages above your deductible?
- Is it just a maintenance issue or normal wear-and-tear?
If you answered yes to one or more of these questions, you should consider filing a claim. That way we can begin collecting the information needed to resolve your claim quickly. If you have questions about filing a claim, call our service department at 757-448-3820 to speak to a dedicated Claims Advocate or contact your carrier directly.
In the meantime, browse our claims resources below to find guidance on the most frequently asked questions.
The Claims Process
Our role as your Claims Advocate is to ensure you receive the highest level of service from our partners while utilizing your coverage to its fullest ability. We’re available to address your coverage questions as they arise and to advocate on your behalf when necessary.
What is a Claims Advocate?
We’re glad you asked! As an advisor and trusted resource, the Claims Advocate serves as a primary contact to our clients to:
- Review their policy and discuss the details of a loss
- Give customized service throughout the claims process
- Provide clear and timely information before, during and after a claim
- Proactively help the client to achieve a prompt and fair settlement
FAQs
- How do I file a claim?
- Can I get a damage estimate before filing a claim?
- If my home was damaged, can I start repairs?
- What if my home is burglarized?
- How long will my car insurance claim take?
- Will I have to pay my deductible if I’m not at fault?
- What is a Deductible?
- Is flood covered on home insurance?
- What’s the difference between Liability Coverage and Full Coverage?
More Resources
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Read MoreAuto Insurance 101: What Is A Deductible?
This is one of the most common car insurance questions. Luckily, we know how to answer it. A deductible is the amount you pay out-of-pocket before your insurance covers any losses. Let’s say you get into an accident, and your deductible is $500, and you have $2,000 worth of covered damage. You would pay the $500, […]…
Read MoreMold and Mildew- Am I Covered?
Most home insurance policies do not cover mold removal or damage from mold or bacteria, but that doesn’t mean you shouldn’t still file a claim. There are a few exceptions. When It Is Covered Sudden mold-related incidents specified on your policy m…
Read MoreLiability vs. Full Coverage
What’s the difference between Liability vs. Full Coverage? Having options …
Read MoreWhat to Do After a Car Accident Guide
An accident can be a stressful and frightening event. Being prepared and knowing what to do can save lives, reduce injuries and make the claims process simple and pain-free. If you are able to, move to a safe area. Make certain everyone involved is okay.…
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