Frequently Asked Questions

What should I do?

Call Us

Relax...

Frequently Asked Questions

What should I do?

woman thinking

Call Us

woman call

Relax...

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Things to know...

Should I contact my insurance provider and file a claim?

     In the event of damage to your property it may be necessary to file a claim with your insurance provider.  However, we recommend that you contact us first so we can help you determine if it will be necessary.  We have experienced professionals on staff with years of experience in the insurance industry as both Insurance Agents and Insurance Adjusters.  There are many benefits to contacting us prior to filing a claim.  It is possible that your claim will not exceed your deductible.  With recent changes in the insurance industry, insurance providers have increased deductibles in order to lower their risk as well as keep premiums affordable.  If you have a high deductible the damages may not exceed this threshold.  Another reason to speak with us first, is you do not want to file a claim if it is not necessary.  Once a claim is filed it cannot be take back, if it is below the deductible or if you change your mind.  Even if you withdraw the claim it will still show in your file as claim.  Filing a claim can also adversely effect your rates, your underwriting eligibility to switch carriers later and even have your policy cancelled if too many claims are filed within certain time limits.  There is also an opportunity for inadvertent commentary that could result in your claim being denied altogether.  We can help you make the best decision possible for you and your family in regards to the steps you need to take to properly file a claim, if necessary with your provider.

Water Damage...The Do's

Call: Contact us as soon as possible, (1-866-247-3786) so we can begin drying the structure, to prevent injury and minimize the damage.

Water Supply: Locate your water cut off, if the home is not equipped with a cut off, go to the street and find the water meter.  You should be able to turn it off using a crescent wrench or pliers.

Electric: You will need to locate your breaker box and shut off the electricity to the affected parts of the structure.  Once you are certain that the power is off you can then remove electrical appliances such as lamps telephones etc. from the affected area.

Ventilate: You need to Ventilate the wet areas if possible. In the summer you can turn on the air conditioner, although this may seem counter intuitive the air conditioner will attract moisture and help to dry the air and in turn begin to dry the structure. In the winter you can alternate between opening windows and using your heater.

Avoid: Stay out of rooms that have damaged ceilings as dry wall becomes very heavy and unstable when it becomes wet and could fall and cause injury.

Cabinetry: If there is water under cabinets, open drawers and cabinet doors to begin interior drying, do not force open.

Documents: Freeze valuable books and documents to keep out mildew growth until proper drying can be done.

Pets: Remove any household pets to a safer environment.

Water Damage...The Don'ts

DIY: Try and dry the structure on your own, it is unlikely that you will be able to do an effective job using towels and household tools and appliances.  If you wait to call when you realize it is more than you can handle or when the structure begins to smell of mold and mildew the damage will be much more extensive and expensive to restore.

Electric: Operate any electrical appliance while standing on wet carpet or floors, especially concrete floors. There is a high risk of electrical shock that could cause serious injury or death.

Heat: Use heat to dry out a closed building. This could cause damage from mildew and expanded moisture.

Clothes: Leave wet fabric in place; space them apart and try as soon as possible.

 

Fire and Smoke Damage... The Do's

Protect: When possible, board up windows or roofs to prevent further damage.

Perishables: If power has been shut off to the structure you will need to empty your refrigerators and freezers and prop the doors open to allow air to circulate.

Air: Turn off your air conditioner or heater and replace the filter before turning back on.

Pets: Remove any household pets to a safer environment.

Ventilate: When possible you need to open windows to allow ventilation.

Fire and Smoke Damage...The Don'ts

Enter: Never enter a burning, smoldering or structurally compromised structure.

Furniture: Use upholstered furniture that has smoke damage.

Electronics: Use electronics, computers or other electrical appliances, until properly cleaned and inspected by a professional.

Clean: Attempt to clean, wipe or wash fire or smoke residue from walls, ceilings or fabrics.

Food: Consume and food that has been subjected to high temperatures.

 

Things to know...

Should I contact my insurance provider and file a claim?   

  In the event of damage to your property it may be necessary to file a claim with your insurance provider.  However, we recommend that you contact us first so we can help you determine if it will be necessary.  We have experienced professionals on staff with years of experience in the insurance industry as both Insurance Agents and Insurance Adjusters.  There are many benefits to contacting us prior to filing a claim.  It is possible that your claim will not exceed your deductible.  With recent changes in the insurance industry, insurance providers have increased deductibles, in order to lower their risk as well as keep premiums affordable.  If you have a high deductible the damages may not exceed this threshold.  Another reason to speak with us first, is you do not want to file a claim if it is not necessary.  Once a claim is filed it cannot be take back, if it is below the deductible or if you change your mind.  Even if you withdraw the claim it will still show in your file as claim.  Filing a claim can also adversely affect your rates, your underwriting eligibility to switch carriers later and even have your policy cancelled if too many claims are filed within certain time limits.  There is also an opportunity for inadvertent commentary that could result in your claim being denied altogether.  We can help you make the best decision possible for you and your family, regarding the steps you need to take to properly file a claim, if necessary with your provider.

Water Damage...The Do's

Call: Contact us as soon as possible, (1-866-247-3786) so we can begin drying the structure, to prevent injury and minimize the damage.

Water Supply: Locate your water cut off, if the home is not equipped with a cut off, go to the street and find the water meter.  You should be able to turn it off using a crescent wrench or pliers.

Electric: You will need to locate your breaker box and shut off the electricity to the affected parts of the structure.  Once you are certain that the power is off you can then remove electrical appliances such as lamps telephones etc. from the affected area.

Ventilate: You need to Ventilate the wet areas if possible. In the summer you can turn on the air conditioner, although this may seem counter intuitive the air conditioner will attract moisture and help to dry the air and in turn begin to dry the structure. In the winter you can alternate between opening windows and using your heater.

Avoid: Stay out of rooms that have damaged ceilings as dry wall becomes very heavy and unstable when it becomes wet and could fall and cause injury.

Cabinetry: If there is water under cabinets, open drawers and cabinet doors to begin interior drying, do not force open.

Documents: Freeze valuable books and documents to keep out mildew growth until proper drying can be done.

Pets: Remove any household pets to a safer environment.

Water Damage...The Don'ts

DIY: Try and dry the structure on your own, it is unlikely that you will be able to do an effective job using towels and household tools and appliances.  If you wait to call when you realize it is more than you can handle or when the structure begins to smell of mold and mildew the damage will be much more extensive and expensive to restore.

Electric: Operate any electrical appliance while standing on wet carpet or floors, especially concrete floors. There is a high risk of electrical shock that could cause serious injury or death.

Heat: Use heat to dry out a closed building. This could cause damage from mildew and expanded moisture.

Clothes: Leave wet fabric in place; space them apart and try as soon as possible

Fire and Smoke Damage... The Do's

Protect: When possible, board up windows or roofs to prevent further damage.

Perishables: If power has been shut off to the structure you will need to empty your refrigerators and freezers and prop the doors open to allow air to circulate.

Air: Turn off your air conditioner or heater and replace the filter before turning back on.

Pets: Remove any household pets to a safer environment.

Ventilate: When possible you need to open windows to allow ventilation.

Fire and Smoke Damage...The Don'ts

Enter: Never enter a burning, smoldering or structurally compromised structure.

Furniture: Use upholstered furniture that has smoke damage.

Electronics: Use electronics, computers or other electrical appliances, until properly cleaned and inspected by a professional.

Clean: Attempt to clean, wipe or wash fire or smoke residue from walls, ceilings or fabrics.

Food: Consume and food that has been subjected to high temperatures.