RESPONSE
Our loss control, risk-mitigation, and claims personnel stand ready to assist our policyholders during severe weather and catastrophic situations. We strive to provide immediate help from specialists who understand the stress of disaster recovery. Our dedicated Catastrophe (CAT) Team ensures clear updates and transparency, offering fast answers and professional claims handling that facilitate a timely return to normal operations.
Safety Tips & Guidance
Review these important Do’s & Don’ts following a storm for safety tips as well as expediting the claims process.
Frequently Asked Questions
When will an adjuster contact me?
When you report your claim (1-888-NEWCLMS or online), an adjuster will contact you within 24 business hours.
Will my loss/claim be covered?
The determination of whether or not your loss/claim is covered can only be made after a careful review of the loss facts that are unique to your claim and the coverage that is specific to your policy. The assigned adjuster will be better able to address your questions and concerns regarding the applicable coverage for your loss.
Can I begin repairs?
Reasonable steps can be taken or repairs made if necessary to protect your property from further damage and mitigate further loss. Please document any damages prior to making any repairs. Photographs of the damages will also be beneficial to your claim. The assigned adjuster will provide you with further guidance related to initiating repairs.
Can I throw away spoiled food items?
Reasonable steps can be taken to discard of spoiled food if necessary to protect your health; prevent further damage to your property; and mitigate further loss. Prior to disposing food, make a detailed list of item(s) and quantities. Photographs of the spoiled items will also be beneficial to your claim. The assigned adjuster will provide you for further guidance related to spoilage.
What type of loss documentation do I need to provide?
The assigned adjuster will guide you about what type of loss documentation needs to be provided. For example, if you are making a claim for spoiled food, please provide a listing of the spoiled food along with photographs. If you sustain property damage, please provide any pictures of the damage. Having lists and photographs will greatly assist us in expediting your claim.
How long will the claims process take?
The claims process depends upon the facts and circumstances unique to your loss. The length of the process will depend upon how quickly you submit the required documentation requested by the assigned adjustor.
Contractor Referral Program
To help streamline repairs and expedite the property restoration process, we’ve teamed up with a global industry leader in claims management to offer our policyholders access to a national network of vetted and credentialed contractors. Learn more about Contractor Connection®.
READINESS
A wide variety of resources are available to our policyholders to help better prepare for severe weather and catastrophic events.
The GUARD Wire Weather series offers tips to prepare a property against:
Additional educational flyers covering topics such as business continuity in an emergency, firescaping a business, roof maintenance, etc., can be easily downloaded from our Agency and Policyholder Service Centers.
