Lott & Gaylor Insurance is committed and here for you before, during and after your loss.
Although having an accident can be stressful, there's no reason settling your insurance claim should be. Generally speaking, reporting directly to the carrier is the best option, however we'd be happy to help - either way, we'll make sure your needs are met. To report a claim, get started by selecting an option below that best fits your needs.
After experiencing a property loss, contact your Lott & Gaylor Agent or insurance company to file a claim. Make sure you have the following information handy:
The name of your insurance company
Your policy number
A telephone and/or email address where you can be reached at all times
An adjuster should contact you within a few days of filing your claim. If you do not hear from an adjuster, you can contact your insurance agent or company again.
Understand your duties and responsibilities. Read your policy, under “Section 1 – Conditions, (2) Duties after a loss.” there are very specific time frames under which the insurance company must be notified, failure to abide by these conditions could result in denial of a claim.
Your adjuster will assist you in preparing a Proof of Loss (which is your sworn statement of the amount you are claiming including necessary supporting documentation) for your official claim for damages. A Proof of Loss can be many things, but must contain the specific details set forth in the Standard Flood Insurance Policy. You’ll need to file your Proof of Loss with your insurance company within 60 days of the flood. This document substantiates the insurance claim and is required before the National Flood Insurance Program (NFIP) or insurance company can make payment.
You’ll receive your claim payment after you and the insurer agree on the amount of damages and the insurer has your complete, accurate, and signed Proof of Loss. If major catastrophic flooding occurs, it may take longer to process claims and make payments because of the sheer number of claims submitted.
Here are the top five things policyholders need to understand about insurance and hurricanes:
Hurricanedeductibles: Most homeowners’ insurance policies contain specific provisions related to damage caused by hurricanes, and a key feature is often higher deductibles for losses resulting from a hurricane. Under this provision, homeowners are responsible for paying a percentage of the insured value of the home, generally ranging from 2-10 percent. So for a home insured for $100,000 with a 2-percent hurricane deductible, the policyholder would be responsible to pay out of pocket for the first $2,000 in damages.
Wind-driven rain: Damage caused by wind-driven rain – for example, rain blown through poorly sealed door/window openings—is not covered in most instances. While damage caused by wind itself is likely covered (subject to the hurricane deductible), water damage caused by rain seeping into the home through doors/windows generally is not.
Repair scams: Homeowners should resist the temptation to sign up with the first repair crew that shows up at their door, and especially should not sign paperwork that assigns the rights and benefits of their insurance policy to someone else. Assignment of benefits scams are a leading cause of rising insurance rates, and fraud artists see a hurricane aftermath as a golden opportunity to prey on unsuspecting homeowners. Insurance policyholders should always call their agent or their insurance company first, to report a loss and determine the best way to proceed.
Flood damage: Damage caused by flooding, common in a hurricane, is not covered by standard homeowners insurance policies. A separate flood insurance policy is required for this type of loss.
Mitigate and document: Homeowners are expected to mitigate damage to their home to the extent they safely can, and to document their damage. So, putting a tarp over a damaged roof or boarding up a broken window can prevent further losses. Homeowners should document damage by taking photographs and save receipts for any out-of-pocket costs.
Need More Assistance filing your claim?
We are open during these times:
8:30am til noon and 1:00pm to 5:00pm
Office: (239) 337-2221
Visit the FAQ page and learn what to do immediately after a loss and what you’ll need to report the claim.
We will be happy to assist you with any aspect of the claims reporting procedures during normal business hours. Weekend services can be provided through appointment.
Extended office hours to process claims may be available after disasters.