Report an Incident or a Claim Here 866-226-4311

We know not all incidents are claims, but all claims are incident. With this in mind, we ask that you use this portal to notify our office of all incident. By using this portal, you are not filing a claim, but simply allowing us to document the event. Your deductible not withstanding, whether or not you decide to file an actual claim, is your decision.  Once you file a claim, a claim number and adjuster will be assigned to your account.Your needs, the needs of your business and/or your employees, is a priority for our firm, so if you need help, guidance or advice, simply call our office. 

Report your incident here
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Take immediate action to minimize the loss.

Protect undamaged property from loss.

Implement means of capturing all expenses.

Consult contractors for an initial estimate

Define plans as to reopening the location and under what conditions.

Identify temporary measures needed to resume operations

Take photographs of the damage.

Appoint one person to represent your company with the adjuster.

Set up clear lines of communication with the adjuster

What is Subrogation and why is it important?

Subrogation is the act of one party claiming the legal rights of another that it has reimbursed for losses. Subrogation occurs in property/casualty insurance when a company pays one of its insured’s for damages, then makes its own claim against others who may have caused the loss, insured the loss, or contributed to it.

For Example:

Suppose another driver runs a red light and your car is totaled. You have insurance on your car, so you call your insurance carrier and they pay you for all of your expenses related to the accident. Your insurance company, realizing that the other driver had an insurance policy, then seeks reimbursement from the at-fault party’s insurance carrier. Your insurer is “subrogated” to the rights of your policy and can “step in your shoes” to recover any amount paid out on your behalf. This is the definition of subrogation.