What to do if I have a potential claim

In the event of a loss (e.g. sewer line back up, personal property theft, automobile accident, etc.), it is best to first assess the situation. Take logical steps to ensure the safety of anyone involved, and mitigate further damage if possible. Each loss scenario is unique, and should be discussed with a knowledgeable insurance broker or agent prior to initiating a claim with an insurance carrier. A qualified insurance broker or agent will advise whether it is in a policyholder’s best interest to file a claim in a given situation. Insurance providers consider the frequency and severity of a policyholder’s claim filing history when determining rates for new and renewal policies, as well as insurability (i.e. carriers will decline to provide coverage in certain cases). In short, consult your insurance broker or agent first if you are considering filing a claim.