Homeowners Insurance Profile
Because we understand the important investment you have in your home, we will take every opportunity to keep your policy information up to date. This is part of an internal process called the "Continuous Learning Loop". It is a service we provide as part of our efforts to develop our Customer Profiles, and involves underwriting information which is crucial in determining if your home is properly insured. If you do have a claim we will use this opportunity to update your current Insurance Profile.

Investigation
All losses require an investigation to determine if we are allocating all applicable coverage to your loss. The extent and type of investigation is determined by many factors, and will be explained to you at the onset of the investigation stage.

Inspection
Many claims require an inspection to properly investigate and assess the damage or loss. Whether or not an inspection is required will be determined when you report a loss, or during the initial contact with the Claim Associate. If an inspection is required, you will be contacted by one of our staff Field Adjusters or one of our partner Field Adjusters to set up an appointment to inspect the damages. We invite you to have your contractor(s) present during this inspection. In many instances, we can prepare a damage estimate and issue you a settlement check at this time.

Many losses involve physical damage to your home or related structures. An accurate damage assessment is a critical and challenging step in the claims process. This assessment can be performed either by one of our Field Adjusters or an Internal Claim Associate. In some cases there may be additional damage which was not initially identified. Such cases will be examined and resolved as they arise even if noted after the original settlement.

Loss Settlement
Your loss settlement will occur as soon as the investigation and the damage assessment have been completed. This is the time when we issue checks and complete the final reports. The length of time it takes from the initial reporting of a loss, to the settlement, relies heavily upon what type of loss you have sustained. Some losses can be settled within hours and most claims are settled within 30 days. Loss Settlements are designed to act as resolutions to your claim. (This does not mean, however, that if additional covered items are later identified they will not be taken into account on the claim).