Claims Center
Lott & Gaylor Insurance is committed and here for you before, during and after your loss.
To report a claim, get started by selecting an option below that best fits your needs.
Personal Lines Claims Directory
Commercial Lines Claims Directory
| Carrier | Direct Line |
| AIG Auto | (888) 244-6163 |
| AmComp | (800) 749-1898 |
| Bankers Insurance Group | (800) 765-9700 |
| Citizens Property Insurance Corp. | (866) 411-2742 |
| CNA Insurance | (877) 262-2727 |
| FCCI Insurance Group | (800) 226-3224 |
| Hartford Insurance | (800) 243-5860 |
| Hartford Steamboiler | (888) 472-5677 |
| Hartford Auto Glass | (800) 892-8484 |
| ICAT Specialty Insurance Company | (866) 789-4228 |
| Mainstreet America Group | (877) 425-2467 |
| Montgomery Insurance Company | (800) 987-6000 |
| Nationwide Insurance | (800) 421-3535 |
| Philadelphia Insurance Companies | (800) 765-9749 |
| Progressive | (800) 274-4499 |
| Safeco Insurance Company | (888) 332-3226 |
| Summit/Bridgefield Workers Comp | (800) 762-7811 |
| Travelers Insurance | (800) 238-6225 |
| Travelers Workers Comp | (800) 238-6225 |
| Travelers Boiler & Machinery | (800) 835-1291 |
Flood Claim Reporting
| Carrier | Direct Line |
| Assurant/American Bankers | (800) 423-4403 |
| Wright Flood | (800) 725-9472 |
| Hartford Flood | (800) 759-8656 |
| Travelers Flood | (800) 356-6663 |
| National Flood Services | (800) 759-8656 |
Filing an Insurance Claim
Step One: Notify Your Insurer To Start The Claims Process
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The name of your insurance company
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Your policy number
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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.
Step Two: Document The Damage
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Take photographs of all of the damaged property, including discarded objects, structural damage, and standing floodwater levels.
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Make a list of damaged or lost items and include their date of purchase, value, and receipts, if possible.
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Officials may require disposal of damaged items so, if possible, place flooded items outside of the home.
Step Three: Complete A Proof Of Loss To Support Your 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.
Need More Assistance filing your claim?
We are open during these times:
8:30 am until noon and 1:00 pm to 5:00 pm
Mo – Th 8:30 am until noon and 1:00 pm to 4:30 pm on Friday
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Visit the FAQ page and learn what to do immediately after a loss and what you’ll need to report the claim.
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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.
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Extended office hours to process claims may be available after disasters.
