Claims Solutions

In the event you have a new claim to report, please click on the locations and contact bar and contact the office nearest you to report your loss. One of our team will immediately take down the details of your claim, and report it to your insurance company or adjuster.

As your insurance broker, we are here to assist you in the claims process and will act as your advocate in the claims process.  We are pleased to help explain coverages and to work with you and your adjuster to arrive at a fair and equitable settlement to your loss.

Click on the Locations and Contact bar for a location near you, and a member of our  team will be pleased to assist you.

Frequently Asked Questions

When can I expect my adjuster to contact me after I have reported my claim?

Underwriters will forward your claim for handling to your insurance company, and they will make every effort to contact you within 24 hours or less. In cases of serious loss and emergency situations, they will contact you within an hour of receipt. When a high volume of claims are received, they are prioritized and the most urgent cases are called first.

How long will it take to settle my claim?

The size and complexity of your loss will dictate how long it takes. Here are some examples of time frames.

• Most cases of minor  vandalism and stolen bicycles: a few days
• An uncomplicated vehicle write off claim: One to two weeks
• Major house fires: Approximately three months to a year
• Injury claims: Three months to two years, depending on the seriousness of the injury. If there is a lawsuit, it could take as long as five years.
• Multi vehicle collision:  this is based on investigation & liability discussions with other parties, 3 weeks to 3 months.
  

What can I do to make sure things move along quickly and smoothly?

• Report losses to Underwriters Insurance immediately.
• Provide detailed and accurate information.
• Discuss with the adjuster the claims process and what will be required for your particular loss.
• Quickly provide police reports, witness names and all other documentation for claim assessment.
• Complete all forms accurately, and in full. This is particularly important on medical forms, content lists and proof of loss forms.
• Be honest, forthright and cooperative with your adjuster

Will a claim affect my premium?

There are many factors to consider, particularly in today's competitive market place. Your Underwriters Insurance office is best equipped to help you decide if it is worthwhile putting in a claim. 

How does replacement cost work?

Replacement cost coverage requires that you actually replace the damaged or destroyed item with a product of like kind and quality. If you choose to cash out on any or all items, the replacement cost clause does not apply and you will get paid based on the depreciated value. Depreciation is calculated using the pre-loss condition, age and life expectancy of the item.

What is a deductible and when would I pay it?

A deductible is the portion of the loss you have agreed to pay, regardless of fault. After a loss, you would pay the amount of the deductible to the service provider. Examples: body shop, contractor or the store replacing your goods.

Will I get my deductible back?

Generally speaking, you will not get your deductible back but there are some exceptions. Example: If someone damaged your home, either the guilty party or their insurance (if they have it) would refund your deductible