Claims
Claims Help
Start with safety. Then report the loss to the right carrier.
Your insurance carrier opens and manages the claim. Use this page to prepare, find the official reporting route, and understand where our agency can help.
- Official carrier routes
- Clear first steps
- Agency guidance when needed
First Actions
What to do before and while reporting
Move in this order. Do only what is safe and reasonable for the type of loss you experienced.
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Make the situation safe
Address injuries and active hazards first. Follow instructions from emergency or qualified professionals.
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Limit additional damage
Take reasonable temporary measures when safe, keep receipts, and avoid permanent repairs until the carrier provides direction.
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Document what happened
Capture photos or video and record the date, time, location, damaged property, involved parties, and known facts.
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Report and save the claim number
Use the carrier’s approved channel promptly. Keep the claim number, adjuster details, receipts, uploads, and correspondence together.
Carrier Directory
Open the reporting route shown on your current policy.
Confirm the insurance company on your declarations page or ID card. An agency, program administrator, or brand name may differ from the carrier responsible for the claim.
Citizens
Property claim reporting and claim resources.
Open official claims pageUniversal Property
Property claim reporting through Universal’s official site.
Open official claims pageHeritage
New-claim and existing-claim contact information.
Open official claims centerSafePoint
Claim reporting, status, and process information.
Open official claims pageSlide
Digital reporting and live claim-assistance options.
Open official claims centerRLI
Select the policyholder resource or claim route that matches your RLI product.
Open RLI policyholder helpAmwins
Reporting instructions vary by the carrier and program shown on the policy.
Review Amwins claims guidanceNEXT Insurance
Business claim reporting for policyholders and third parties.
Open official claims pageNo matching carrier is listed.
Check the company name on your current declarations page or ask our team to help identify the appropriate reporting route.
Carrier websites and procedures can change. Confirm that the company name matches your current policy before submitting personal or claim information.
After Reporting
Know who owns each next step.
Your claim number is the clearest confirmation that the carrier has opened a claim.
Opens and decides the claim
Assigns the claim number and adjuster, investigates the loss, applies the policy, and communicates claim decisions and payments.
Preserve the record
Respond to the adjuster, keep documents and receipts, record conversations, and report newly discovered damage through the claim channel.
Helps you find the right route
We can help identify the carrier, locate policy information, explain general policy details, and help address communication confusion.
Important Claims Notice
A message to our agency does not open a claim.
Report the loss through the carrier’s approved channel unless our office explicitly confirms another process. Coverage and claim decisions are made by the insurance carrier under the terms and facts of the policy.