Claims and loss prevention: Our service promise

Guiding principles

Expertise. Whether you have a loss involving imported marble flooring in your dining room, hand-stitched leather seats in your vintage sports car, a collection of rare impressionist paintings, or a personal liability lawsuit that threatens a substantial portion of your net worth, we have the expertise to properly recognize and handle your claim.

Fairness. We settle covered losses fairly. For instance, we promise to pay the full cost of having your home and other structures on your property rebuilt after a total loss, even if the amount exceeds the limit in your policy. We do not apply depreciation to furniture, clothing, or your other possessions.

Ease and Transparency. Our claims adjusters are not only experts at understanding the extent of your loss, they are skilled at explaining the claims process to make it transparent and as easy as possible for you. Besides reimbursing you for your loss, we can help you find and manage repair services to make the process of recovery less stressful.

Speed. Our adjusters are trained to respond quickly no matter when disaster strikes—even in the dead of night on a holiday weekend. Simply call our toll-free number. In an emergency, we can have a clean-up crew to most homes within two hours. And, we can pay settled claims within hours through our electronic funds transfer (EFT) program.

Choice. If you decide not to rebuild your home after a covered total loss, you can choose to receive a cash settlement. For your car, you’re free to choose your favorite local repair shop or one that we recommend.
Preparation and prevention. Through our risk consultation process when you first become a policyholder, we are able to proactively suggest ways to protect your home and family, potentially reduce the cost of insurance over time, and simplify the claim process if you do have a covered property loss.

Deductible reserve program

Choose a deductible of $2,500 or more for your home or $1,000 or more four your auto, and we will credit 10 percent of the amount to a “reserve” each year that you have no claims on your policy. The reserve effectively reduces your deductible payment once you do have a claim. Learn more (PDF).