What to Do in Case of a loss

In Case of a Loss

Write it down: Write down a detailed description of the loss and damaged items. Take photographs if necessary.

Contact Authorities: Contact the police in cases where laws have been broken such as theft, burglary, vandalism, or suspected arson.

Make necessary repairs: Make any necessary repairs to protect your property from further damage.


What will happen after I submit my claim?

  • Acknowledgement: The claims department will contact an adjuster.
  • Assess the Damage: Either an experienced Company Adjuster or an Independent Adjuster will be assigned to assess the damage to your property.

In the event of a water claim:

  • Shut off the water source.
  • Remove the excess water by mopping and blotting.
  • Remove and/or prop up wet upholstery cushions for even drying.
  • Place aluminum foil or wood blocks under the legs of all furniture.
  • Remove rugs from wet carpeting or hard wood floors.
  • Use a shop vac to remove excess water, do not use a vacuum cleaner.
  • Do not turn on any electrical components in the ceiling if the water source is coming from the ceiling.
  • Contact your agent immediately.
  • If you can not get in contact with your agent or our company, contact a certified water restoration company to assist you in the clean up and begin the drying process.

In the event of a livestock loss:

  • Report the loss to your veterinarian, so that the cause of loss can be verified as a covered peril under your insurance policy.
  • Our Company will pay for the vet report.
  • Report the livestock loss to your agent within 48 hours of it occurring.

Safety Tips

  • In case of fire, have a fire escape plan. Practice the plan periodically so that all family members know what to do if a fire occurs.
  • Regularly check batteries in smoke alarms.
  • If using wood heat, clean flues regularly.
  • Use motion-activated lighting near doors.
  • Use properly installed deadbolt locks on all exterior doors.
  • Never, never leave appliances on when you are away from home.
  • Keep shrubbery and trees trimmed so buildings can be observed by passing patrols.
  • Educate neighbors on recognizing unusual activities.
  • When away on vacation, set automatic timers changing indoor lighting patterns.