At Owens Group, we have a dedicated claims team to assist you in reporting and handling your insurance claims.
Not surprisingly, some claims are more complicated than others. Often, after filing an initial report, our clients and the insurance company’s adjusters will resolve the claim with little further assistance from Owens Group. In other cases, both our claims staff and our management team will get involved to assure that a satisfactory resolution is made in a timely manner.
Property claims often occur outside of normal business hours, and even those carriers with 24-hour claims service are not always able to answer every question to satisfaction. Here is some simple advice to follow in such situations.
The best thing to do is to react using the “Prudent Person Standard.” The insurance company will expect you to minimize further damage to your property, and to separate damaged property from undamaged property. Emergency and temporary repairs to accomplish this should be freely undertaken. You should save the damaged property and/or photograph it, so the adjustor can verify the extent of the damage.
Your policy coverage will not be affected by reporting the claim on the next business day.
For both business and personal claims, the process is as follows:
- Report your loss to Owens Group. We will report your claim directly to your carrier. (If you choose, you may also report it directly to your carrier.)
- You will be contacted by an insurance company adjustor, with whom you will deal directly.
- It is important that you submit as much documentation as possible to the insurance adjustor to substantiate your claim. If you have any questions about the relevance of certain information, we invite you to consult with us.
- Owens Group is here to assist you. We monitor claims regularly and are available to provide guidance in dealing with insurance company personnel, and to advocate on your behalf.
- Once you and the insurance adjustor have agreed on the extent of the damage, and the replacement compensation — you will be asked to sign a “Proof of Loss” form. Generally, your claim will be paid within 2 weeks (or less) from the date that the insurance company receives your signed Proof of Loss.
- license plate number
- driver’s license number
- make / model / color of vehicles
- phone number
- e-mail address
- home address
- insurance company
- policy number
Contact the police regardless of fault, or dial 911 if needed
If possible, take pictures of the damages to all vehicles involved
Notify Owens Group (or the insurance company) of the accident
A tree in my yard fell onto my neighbor’s property and damaged their home. Who’s responsible for the repairs and cleanup?
If the other driver’s insurance company is paying for the damages to my vehicle, do I need to bring it to a shop of their choice?
My car was in an accident and I need a rental. Will my insurance company pay for a rental if I secure one before discussing the claim with them?
What if the estimate I get from a preferred vendor is more expensive than the one my insurance company provides?
What if my body shop finds additional damages while repairing my vehicle from what was agreed to with the insurance company?
I have personal items that were lost or stolen. What kind of proof will I have to provide to my insurance company for them to cover the claim?
My home/business was damaged by a flood and I don’t have flood insurance. Is there anything I can do?
Unfortunately, if you do suffer a flood loss and you don’t have appropriate coverage, your regular home or business owner’s policy will not provide coverage for the damages. However, in some cases, there may be federal assistance available through FEMA. They can be reached at 800-621-3362.