How to File a Claim

If you need to report a claim, you can contact your insurance company directly using their claims phone number. Most carriers offer 24/7 claims service, allowing you to begin the process immediately.

Filing directly with the carrier is often the fastest way to get your claim started. However, our team is always here to help if you have questions or need guidance at any point, don’t hesitate to reach out to us.

Before You File a Claim

Important Things to Consider

Before filing a home or auto insurance claim, keep the following in mind:

  • Have your policy ready
    Keep your insurance policy information on hand when calling to ensure a smooth process.

  • Evaluate the cost of repairs
    In some cases, paying out of pocket may be less expensive than filing a claim, especially when considering potential premium increases over time.

  • Talk to your agent first
    If you're unsure whether to file a claim, contact us. We can help you understand the financial and coverage implications so you can make an informed decision.

Auto Claims Guidance 

What to Do After an Auto Accident

If you're involved in a car accident, knowing how to proceed can make a big difference:

  • If the accident was NOT your fault and the other driver has insurance, you may be able to file the claim through their insurance company.

  • The at-fault driver’s policy is typically responsible for covering damages to your vehicle.

  • This approach can help you avoid unnecessary claims on your own policy.

If you’re unsure how to proceed, contact us right away and we’ll help guide you through your options and next steps.

We’re Here to Help

Insurance claims can feel overwhelming, but you don’t have to navigate the process alone. Whether it’s a home or auto claim, our team is here to answer your questions, explain your options, and support you every step of the way.

Call us anytime for assistance as we’re here when you need us most.