Filing a Claim
If you have a claim to file, contact us or directly contact your carrier
as soon as you can.
Please keep in mind, though, that even if you had a check in your hand
instantly after a loss, your problem still would not be
solved. We don’t want any of our customers who find
themselves in the position of having to file a claim to have a
bad experience. We know that because of your loss, accident,
or other mishap, you already aren’t happy. At this bad time
for you, it is our time to deliver on our promise to give you
the best possible customer service—to guide you to ensure
you receive what your policy—your contract with the insurance
carrier—says it should.
bad happens and you think you may have a claim:
- First, make sure everyone is safe
and seek medical attention as needed. After all, people
can’t be replaced.
- When you become aware of a
problem, stop any further chance of damage/injury. Most
insurance policies require you do this if you are to be
covered for further losses to property, etc.
- Note the situation’s
circumstances (who, what, where, how, and when) and
identify all parties and witnesses by name, address. If
things happen very quickly, gather as much information as
you can. Please always consider your own safety and be
practical in terms of what you do to gather information.
Example: We would never expect that you would risk your
life to save a valuable item inside a burning house. We do
find it helpful when customers provide us with photos of
things that have been damaged or are being damaged. If you
have handy access to a digital camera or a camera on your
cell phone, use it to make records. Images can help to
improve the overall speed in handling your claim.
- Contact our agency or your company
directly to report the event that has lead to or may
lead to a claim.
- If applicable, obtain an estimate
for repairs from a qualified business or service that is
established and insured. Note that who you use is your
choice; we provide the dollars to pay the bill. If a hotel
or auto rental is needed, you could contact them directly
to prepare them for being able to accommodate you and to
work with your insurance carrier.
- Generally, claimants are
contacted within 24 hours and possibly the same day. If
your claim warrants expediency, please be sure to let us
know, so we can try to move your claim up in priority for
the carrier. Often the process of adjusting (evaluating)
the claim can be expedited, depending on how dire the
- Some insurance carriers choose to
use their own claims adjusters or sometimes they’ll use
an independent claims adjuster. An insurance adjuster is
someone who evaluates the damage and helps the company
assess what allowance it will make for the damage. The
adjuster may want to personally inspect the property or he
or she may choose to rely on other means of
verification—such as photos and a phone conversation. We
urge you to record all expenses you have associated with
the loss and help the adjuster help you. Claims adjusters
are accustomed to speaking with people who have not ever
had an accident or loss, and they will help to guide you.
Note they usually manage many claims cases at one time,
but they do try to use their time efficiently, because
they know your claim has put your life on hold.
summarize you have to use good common sense and be
It always seems longer, when something bad has happened and
often we over react. Do
what any other normal person should do after you have had a
"Charles R. Houser, JR.,
CIC, CFP®, CLU and Rose
Street Financial Services, LLC dba Indiana Insurance are
in the state of Pennsylvania and
intends this page to be used as a tool to conduct
business in only the state of Pennsylvania."