In the Event of a Loss
First, contact emergency services or the authorities if applicable. For claims such as theft, burglary, vandalism, fire, or suspected arson, a police and/or fire report is required for your insurance claim.
Second, determine if you have a covered claim before you file. If you are uncertain, or damage is not visible, contact a contractor to inspect for damages. Once you have established that you have damages, contact your agent to verify coverage. It is in your best interest to not file claims that turn out to not be covered by your policy or that fall below your policy deductible.
Third, contact your agent, or Farmers & Laborers' office if you cannot reach your agent, to file your claim. You will need to provide the following information:
• Policy #
• Location (Physical Address) of Loss
• Full Names & Phone Numbers of All Involved Parties
• Date of Loss
|• Type of Loss (e.g., Lightning, Water/Sewer Backup, Hail, Wind, Accident)
• Detailed Description of Damage
• Name of Police or Fire Department (If Applicable)
• Photographs (If Possible)
Fourth, make necessary repairs. It is your responsibility to take immediate action to protect your property and prevent further loss or damage. For example, apply a tarp to a damaged roof. If you are unable to make these repairs yourself, you should contact a professional to make temporary repairs until the adjuster can perform an inspection.