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When there is a large weather event,  insurance claims may be processed slightly different than during normal times. Here are some tips on what to expect during high volume times.

  • Having your policy number when you call will expedite the insurance claims process.
  • Have daytime phone numbers and email addresses handy to give the insurance company.
  • Give as much detail as you can on the damages and the severity. If roads are blocked or local authorities are restricting access, let the insurance company know. 
  • You should be contacted within 48 hours of reporting your insurance claim. 
  • Your first form of contact may be a letter or email explaining what to do in your particular situation.
  • The insurance company may use an independent adjusting company or a local contractor, rather than a staff adjuster during high volume times.
  • Do what is reasonably necessary to protect your property. Save any receipts for money you spend to do this. If you can take photos, please do.
  • Have trees removed from homes, out buildings or fences. Be wary of price gouging.
  • Watch out for unlicensed, out of state and new start-up contractors.
  • If your home is uninhabitable, your local agent may have the ability to advance a check for a hotel and essentials. Save any receipts. A home without electricity is inconvenient but is not considered uninhabitable unless you need to keep medical equipment running.
  • Adjusters can write estimates, however if you have a specific contractor you wish to use, we can review their estimate and come to an agreed price.
  • You will receive a copy of the insurance adjuster's estimate. Give a copy of the adjuster's estimate to the contractor of your choice.
  • You should receive a check within 10 days of receiving the estimate.
  • If you have a mortgage on your home, you will want to contact them to find out their procedures for claim checks, as their name will be included as a payee.

We're also here to answer your insurance claim questions, so contact us via email or call us at (804)320-5488 so we can help you! Our offices are conveniently located on Midlothian Turnpike in North Chesterfield, Va.
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