Client Resources & FAQ
Carrier Claims Directory
For the fastest response, please call your carrier's direct 24/7 claims hotline below. Have your policy number ready.
| Carrier | Direct Claims Hotline | Status |
|---|---|---|
| Progressive | (800) 776-4737 | 24/7 Direct |
| Citizens (FL) | (866) 411-2742 | Report First |
| Universal Property | (800) 470-0599 | Direct Claims |
| Slide Insurance | (866) 230-3758 | Direct Line |
| Mercury | (800) 503-3724 | 24/7 Claims |
| United Auto (UAIG) | (877) 875-8038 | Toll-Free |
| Wright Flood | (800) 725-9472 | Flood Dept. |
| Assurant Flood | (800) 423-4403 | Direct Claims |
| Heritage | (855) 415-7120 | 24/7 Direct |
| Security First | (877) 333-9992 | Direct Claims |
| Infinity (Kemper) | (800) 353-6737 | Direct Claims |
| Bristol West | (800) 274-7865 | Direct Claims |
Property & Homeowners
My property has been damaged. What should I do?
Document Everything: Take photos and videos of the damage from multiple angles before moving anything or starting repairs.
Prevent Further Damage: If it is safe, make temporary repairs (like tarping a roof or drying out water) to prevent mold or further loss. Keep a 2’x2′ sample of any damaged carpet or padding for the adjuster.
Keep Receipts: Save every receipt for emergency repairs or additional living expenses. You will need these for reimbursement.
Is the insurance company going to repair my property?
Insurance companies pay for the damages, but they do not provide the labor. You are responsible for hiring your preferred licensed and insured contractor. For auto claims, however, some carriers have “in-network” shops that offer streamlined service.
Will the insurance company perform leak detection or mold testing?
Usually, no. You should hire a professional leak detection or mold testing company to identify the source of the problem. If your claim is covered, the insurance company may reimburse these costs as part of the investigation process.
How do I file a Loss or Special Assessment claim (for HOAs)?
Review the notice from your HOA to identify the “cause of loss” and the amount requested. If the cause is a covered peril (like fire or wind) and not general maintenance, your policy may cover it up to your Loss Assessment limit.
Auto Insurance
How do I handle a car accident claim?
Stay Safe: Move to a well-lit shoulder or safe area.
Exchange Info: Get insurance details from other drivers, but do not admit fault at the scene.
Police Report: Always call the police and obtain a report number.
Towing: Know where your car is being taken. If drivable, take it home to avoid expensive storage fees while waiting for claim approval.
Report it: Call your carrier’s 24/7 line immediately.
Do I have to pay my deductible if the accident wasn't my fault?
Yes. When you file a claim under your own policy, you are responsible for the deductible upfront. However, if the other party is found 100% at fault, your insurer will pursue “subrogation” to recover that money and refund your deductible to you.
What if someone claims my property damaged theirs?
If you receive a formal notice or lawsuit from a neighbor or HOA, contact us to file a Liability Claim. Your insurer will investigate to determine if you are legally negligent. Usually, there is no deductible for liability claims, and the insurance company will handle the legal correspondence for you.