Claims

Should I file a claim?

Every situation is unique so it will ultimately be up to you to determine the best course of action; but before making any decisions, you should review the terms and definitions of your policy.

In a nutshell, the purpose of insurance is to pay costs that would otherwise be unattainable in the event of an accident. So, generally speaking, if you can afford to pay the costs out of pocket, you are encouraged to do so.

Regarding vehicles, New York State DMV requires all vehicles accidents to be reported where damage exceeds $2,000. If a police report is filed, and you can afford to pay the costs of damage, you should attempt to work with the other party to avoid involving your and their insurance company, even if the other party is at fault.

Most insurance companies will surcharge you for having more than 1 claim on record within the last 3 years. This amount depends on the total payout of your prior claims.

If a claim is filed at the beginning of a policy, your Insurance Company may cover your claim, but decline to continue coverage thereafter, forcing you to find a new carrier.

If you file a claim, you will have to pay your deductible and your Insurance Company will cover the remaining costs. Depending on your deductible and the total costs, it may not be financially prudent to file a claim.

What to do

When unexpected events occur, taking prompt and effective action can make a significant difference in minimizing damage and expediting your claims process. Here's a straightforward guide to help you navigate the initial steps following an incident:

• Personal Safety: Prioritize the safety of yourself and others involved. If necessary, contact emergency services immediately.
• Property Safety: If safe to do so, take measures to prevent further damage to your property.
• Take Photos: Capture clear photographs of any damage from multiple angles. These images will be invaluable for your records and in the claims process.
• Detailed Notes: Keep detailed notes of the incident, including the date, time, location, and any other relevant circumstances.
• Temporary Repairs: Make temporary repairs to prevent additional damage, such as covering a broken window or placing a tarp over a leaky roof.
• Keep Receipts: Save receipts for any expenses incurred during these temporary repairs for potential reimbursement.
• Consult Our Office: Before filing a claim, reach out to us. We can provide expert advice on whether filing a claim is the best option for your situation or if handling minor damages out of pocket may be more beneficial.
• Gather Information: Have your policy number and details ready when contacting your insurance company's claims service center.
• 24/7 Claims Support: Remember, your insurance company offers 24/7 support. Refer to your policy documentation for the claims service center phone number if immediate assistance is required.

By taking these steps, you can help safeguard your property and streamline the claims process. We're here to assist you through every stage, ensuring you have the support and information you need. Don't hesitate to contact us with any questions or concerns.

What to expect

Navigating the claims process can feel overwhelming, but knowing what to expect can help ease your concerns and prepare you for each step. Here's a breakdown of what you can anticipate after initiating a claim:

• Notify Your Insurance Company: If you decide to file a claim, contact your insurance company's claims service center as soon as possible. They are available 24/7 to assist you.
• Claim Acknowledgment: You will receive a claim number and confirmation that your claim has been registered. Keep this information handy for future reference!
• Assignment of an Adjuster: An insurance adjuster will be assigned to evaluate your claim. They will contact you to schedule an inspection of the damage.
• Damage Assessment: The adjuster will assess the damage to determine the extent and cost of repairs or replacements. Be prepared to provide documentation, including photographs and receipts.
• Coordination with Service Providers: In some cases, you may work with third-party contractors or service providers. Our office or your adjuster can help recommend reputable professionals if needed.
• Interacting with Other Insurance Companies: If another party is involved, there may be communication between the respective insurance companies to determine responsibility.
• Reviewing the Settlement Offer: Once the assessment is complete, you will receive a settlement offer detailing the compensation for your claim. Review this carefully and ask questions if anything is unclear.
• Approval and Repairs: Upon accepting the offer, repairs or replacements can proceed. Ensure all work is completed to your satisfaction.
• Documentation: Keep all claim-related documents for your records, including correspondence, settlement details, and repair receipts.
• Your Trusted Advisors: Throughout the process, our office is here to provide support and answer any questions you may have. We can help liaise with the insurance company and adjusters to ensure your claim is handled efficiently.

We're committed to helping you through every stage of the claims process, ensuring you receive the support and information you need for a smooth resolution. Please reach out to us for any assistance or guidance along the way.