Business & Personal Insurance


Accidents happen . . . and when they do, you may need to file an insurance claim. The common-sense guidelines that follow can help you understand how the claim settlement process can work for you.

Before you experience a loss . . . know your policy!

  • Read your policy and pay attention to the perils, property, and situations covered in your policies, as well as dollar limitations and any exclusions.
  • Find out how your policy will reimburse you—usually either replacement cost or actual cash value. Know the actual cash value or replacement cost of your property.
  • Remember, if you have actual cash value coverage (usually less expensive than replacement cost coverage), your insurance adjuster will deduct the depreciation value of your property from the cost of a new replacement item. For instance, a tire with half its tread worn is worth about 50 percent of a new tire.
  • Prepare an inventory. Worth its weight in gold, a detailed inventory of your belongings will help assure a speedy settlement if you file a claim. Keep the list up to date, and store it in a safe place away from your home.
  • Keep receipts, appraisal certificates, and other documents supporting the value of possessions.

24 Hour Claim Telephone Numbers and Companies Represented

Allied - 1-800-282-1446 (personal)
1-866-322-3214 (commercial)
Nationwide Logo
Donegal - 1-800-877-9006
NGM - 1-877-425-2467
Selective - 1-866-455-9969
Farmers - 1-888-425-2467 Farmers Logo
Progressive - 1-877-776-2436 Progressive Auto Insurance
Countryway - 1-800-828-6862
Infinity - 1-877-953-2337
AIG - 1-888-244-6163 AIG logo

Agency Insurance Company of Maryland - 1-800-841-5241

Victoria - 1-800-926-3168

For your convenience, we're offering some tips that could help you in the event that you may need to file a claim. The documents below can be used as a general guide to assist you.
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