Please click the link below for a list of contacts to file a claim directly with your insurance company. Should you have any issues, please call our office or submit a claim below via the form.
Insurance Company Claims Contact List
Online Portal Sign Up Instructions
Many of the companies that we write insurance with provide online portals where clients can access their policy documents, pay bills, and check the status of claims that have been filed. We’ve provided instructions for each of those companies below in alphabetical order for your convenience.
Centauri
1.Click here: https://www.centauri-ins.com/ConsumerPortal/Users/Account/Register
2.Enter your chosen Username, your Email Address, and choose a Password.
3.Enter your Policy Number and Mobile Phone Number. Your Policy Number can be found at the top of the left hand corner of your declarations.
Gulfstream
1.Click here: https://www.managemygulfstream.com/ConsumerPortal/Users/Account/LogOn?ReturnUrl=%2FConsumerPortal
2.Click Register. (At the bottom of the login box.)
3.Enter your chosen Username, email address, policy number, and click Register. Your Policy Number can be found at the top of the left hand corner of your declarations.
My Flood (this is not all flood companies, just Assurant, Hartford, UPC)
1.Click here: https://myflood.com
2.Click Create an Account on the bottom left corner of the screen.
3.Choose your username and password.
4.Enter your Policy Number, Property Postal Code, Last Name, and Email Address.
5.Click Create Account.
Safeco
1.Click here: https://customer.safeco.com/accountmanager/Login/register
2.Enter your email address. This will be your User ID.
3.Verify your identity by entering your Policy Number, First Name, Last Name, Mailing Zip Code, Phone Number, and Date of Birth.
4.Create Your Password.
5.Access your account.
Sagesure (Federated National, Occidental, Interboro, Service Insurance Company)
1.Click here: https://my.sagesure.com/register
2.Click Register Now. (Left hand side of screen)
3.Enter the requested information. Your Policy Number can be found on the top left hand corner of your Policy Declarations.
4.Verify your email address by clicking the link provided in the email from Sagesure.
Travelers
1.Click here: www.MyTravelers.com/signup
2.Enter your email address. This will be your User ID.
3.Verify your identity by entering your Policy Number, First Name, Last Name, Mailing Zip Code, Phone Number, and Date of Birth.
4.Create Your Password.
5.Access your account.
Universal North America
1.Click here: https://www.uihna.com/Consumer/MyProfile.aspx
2.Enter the requested information.
3.Choose what Alerts and Messages you would like sent to you.
4.Click Continue.
5.Activate Your Account.
How to Drive Safely in Strong Wind & Rain
Photo provided by Travelers Insurance Company.
Driving in conditions that involve strong or heavy wind and rain may not seem like the most pressing safety concern for many drivers, but our safety professionals know that driving in any type of severe weather can significantly increase your risk and potential for a dangerous situation for you, your family and other drivers. Remember that severe weather demands your undivided attention, so be sure to reduce any possible distractions by turning the radio down or turning off that phone to keep your attention fully on the road. Keep in mind that sometimes the best driving decision you can make is to stay off the road completely until the weather clears.
Driving in Heavy Winds
Wind may seem like a minor risk, but this weather condition deserves special consideration from drivers. Strong wind can occur just about anywhere, but it can be more common in wide open spaces. Areas for concern also include highway overpasses, tunnels and ‘road cuts’ through mountainous areas that can act as funnels for wind. The following tips can help keep you on the road and safe if you encounter heavy winds.
1. Anticipate gusts. Take special care when driving through areas prone to strong winds or when weather reports predict severe weather.
2. Notice larger vehicles. Be aware of large vehicles on the road such as tractor-trailers and recreational vehicles. They are more susceptible to high winds and drivers may have difficulties staying in their lanes.
3. Keep a firm grip on the wheel. Keep both hands on the wheel in case the wind begins to move your vehicle, especially if you are driving a large vehicle or towing a trailer.
Driving in Heavy Rain
In addition to the potentially poor visibility that accompanies most heavy rain, drivers should be ready to protect themselves against hydroplaning. Hydroplaning can occur when a vehicle is traveling too fast in heavy rain conditions, causing the vehicle’s tires to travel on a thin layer of water rather than grip the surface of the road. This has the potential to make steering and braking difficult and could even lead to losing control of your vehicle. Follow these tips to help you stay safe while driving in heavy rain.
1. Take your time. Slowing down is the only way to keep your vehicle from hydroplaning. Also remember that one of the most dangerous times to drive is soon after it begins to rain, as oils on roadway make for slick conditions. Waiting a few minutes, rather than rushing to your destination, can be a safer plan when it is raining.
2. Turn your lights on. Turn your headlights on to help other vehicles see you. Many states require the use of headlights during rain, even in broad daylight.
3. Give other vehicles more space. Add 1-2 extra seconds of following time in the rain, which gives you and the cars behind you more time to react to traffic.
For more tips on driving in severe weather like tornadoes and hail, click here.
Content provided by Travelers Insurance Company.
Hail Protection for Your Home
Photo courtesy of Travelers Insurance.
Hail storms can strike without much warning, leaving you with little time to react. Being prepared in advance — and knowing what to do — can help you stay safe and keep damage to a minimum. Consider signing up for local weather alerts, which deliver warnings when hail storms are approaching your area.
What Is Hail?
Hail is a type of solid precipitation, distinct from, but often confused with sleet. Sleet generally falls in colder temperatures while hail growth is inhibited at very cold temperatures. Hail creation is possible within thunderstorms and is formed when water vapor in updrafts reaches a freezing point. Ice then forms and is suspended in the air by updrafts and falls down to be coated by water again. This process can occur over and over adding many layers to the hailstone. Hailstones can be as small as peas or as large as softballs, and the larger ones can cause injury and serious damage.* The average hailstorm lasts only five minutes, but the damage hailstorms cause totals about $1 billion a year, according to the National Weather Service.
How to Minimize Hail Damage
- Large hail can shatter windows. Closing the drapes, blinds or window shades can help prevent the wind from blowing broken glass into your home or buildings.
- Whenever possible, park your vehicles inside a garage or under a carport.
- Patio and lawn furniture can be dented, broken or even shattered by hail. Move these items indoors or under a covered area when not in use.
- If you have plans to replace the roof covering on your home or business, consider using impact-resistant material if you live in a hail-prone area. For guidance on making the right choices for roof coverings, visit the Insurance Institute for Business & Home Safety website.
Content re-posted from Travelers Insurance Company.
Update on NFIP Reauthorization
Today, we received an update on the re-authorization of the NFIP from Assurant. Below is what they had to say.
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What is an Insurance Score?
Insurance companies have a multitude of factors that go into the rating of a policy. Some of those factors include the age of the home, distance to the coast, prior loss history of the insured, prior liability limits, wind mitigation features, alarm systems, and the list goes on and on. One factor that has increasingly become a large part of the rating mix is the Insurance Score. Most people are familiar with their credit score, but are a bit perplexed at what an Insurance Score is.
To help you better understand what your Insurance Score is, we went straight to the source – TransUnion. The document linked below provides six pages of information to help you understand how exactly your insurance score is derived and what factors can potentially help or hurt it.
7 Insurance Tips to Protect Your Family, Assets…And Save Money!
Let’s face it – everyone wants to get the most value out of their insurance policies. But, have you ever thought about what you can do beyond your policies to protect yourself and your family? Here are 7 tips to help protect you, your family, and your assets!
- Home Inventory Report – We strongly recommend that you document your valuables and belongings. You can do something as simple as taking photos or a quick video of each room to document your “stuff”. Or you can download an app to your smartphone and document your belongings in a more detailed format. We are happy to keep this inventory report on file for you!
- Water and Gas Shut Off Valves – The shut off valves for your water and gas lines are often overlooked. Be sure to know where yours are and share them with your household members…even your neighbors.
- Fire Extinguisher – You should have an unexpired fire extinguisher for ever 1,000 square feet of living space in your home. You can pick one up for around $20 at your local hardware store. A small investment can prevent a much larger issue and out of pocket costs!
- Know Your Policies – First and foremost, know your deductibles, sub-limits, and exclusions. No policy is “all-encompassing” so make sure you understand how things will be handled before a loss. Keep in mind that almost every homeowner’s policy is going to carry a separate deductible for wind/hail or hurricane events. Do not get surprised after a claim!
- Hurricane Evacuation Plan – Have a plan. Share it with your family and friends. You can get guidance for a plan by going to www.ready.gov/make-a-plan
- Key Phone Numbers – We strongly recommend that you put your insurance carrier Claim Phone Number and Policy Number into your smartphone so you have access to these at all times. It is also not a bad idea to put a mitigation company’s number into your phone under “fire and water mitigation”. Some companies we recommend are A&I, Service Master, and Rainbow Restoration.
- Sign up For Online Portals – Most insurance companies provide an online portal to access your policy documents, file claims, pay bills, etc. We strongly encourage our clients to sign up for these when available.
5 Tips to Get the Most Value from Your Homeowner’s Insurance
“Price is what you pay. Value is what you get.” – Warren Buffett
Make no bones about it, shopping for homeowner’s insurance can be a daunting process especially when looking on the coast. While it may be the easiest to compare, premium should not be the sole deciding factor in your insurance.
Below are five items to look at while shopping for homeowner’s insurance.
Should I Buy Insurance From the Rental Car Company?
Plain and simple, insurance can be confusing. Sure, you’re covered by your auto insurance in your vehicle in the event of an accident. But, what if you’re driving a rental vehicle? If you’re considering renting a car, whether it is for a vacation or a moving truck, we strongly advise that you purchase the Rental Car Damage Waiver from the rental company. Below are 10 reasons from Big “I” Virtual University.
The Importance of Jewelry Insurance
If television commercials and store decorations are any indication, the holidays are upon us! This is a time when most of us spend our free time shopping for gifts for special people in our lives. Some of those gifts are sure to include jewelry, watches and engagement rings. In fact, according to Statista.com, at least 18% of annual jewelry sales occur during the month of December. That means there’s no time like the present to educate yourself on the importance of jewelry insurance coverage.
What should you know about jewelry insurance? Here’s a quick primer.
1. Jewelry insurance is not expensive.
The annual premium for a jewelry insurance policy usually falls between 1 and 3 percent of the value of the item(s) insured, which is a small amount for you to pay to fully protect your valuable jewelry.
2. Homeowner’s and renter’s policies are not enough.
If you have a homeowners or renters policy, you may assume your jewelry is already covered. These policies, however, usually impose caps on how much they will pay in the event of a loss. If the jewelry is worth more than a few thousand dollars, this type of policy would probably not be sufficient.
3. There’s a difference between riders and dedicated policies.
You may assume that the best or only way to insure their jewelry is to add a rider to their homeowner’s or renter’s policy. Riders may offer higher limits and broader coverage; however, they may not be designed specifically for jewelry. If an item is worth insuring, it makes more sense to go with a policy designed for that purpose.
4. Jewelry insurance is worth the investment.
Jewelry insurance can cover a wide range of partial and complete losses – from “mysterious disappearance” to chipped stones. It also provides a great deal of choice, allowing to have the piece recreated by a custom designer, or repaired by the jeweler of choice. Depending on your needs, there is an affordable policy that will fit the bill – and with a gift as precious and meaningful as jewelry often is, it’s well worth the effort.
Adapted from an article from Big I Markets.
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