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Once a claim is reported, your insurance carrier will assign a claims adjuster to review the loss. The adjuster may:
Your adjuster will serve as your main point of contact throughout the process and can answer any questions about claim status, payments and timing.
Having the following information ready can help streamline the process:
Don’t worry if you don’t have everything immediately. We can help guide you through what’s needed.
Several factors can influence whether a claim affects your premium, including the type of claim, claim history and your insurance carrier’s underwriting guidelines.
Filing claims for relatively small incidents that pay out very little after your deductible may result in higher rates for you in the long run, and those claims will follow you even if you switch carriers. Avoiding a claim that may not be necessary will help keep your rates more competitive over time.
To officially begin the claims process, you'll typically need to report the claim directly to your insurance carrier. They handle the claims process from start to finish, including investigation, coverage determination and settlement.
If you experience communication delays or other difficulties with the insurance company, reach out to us for help.
Note: Gate City Insurance Agency does not have claims authority to make a coverage determination in a claim.
Your deductible is your out-of-pocket expense, or the amount you owe, in a covered claim.
Note: For auto insurance claims where you have payment arranged to go directly to your repair shop, you will need to pay your deductible to the shop when you pick up your repaired vehicle.
If you’re in a high-risk flood zone, your mortgage loan would most likely require flood insurance.
Products and services offered through Gate City Insurance Agency are:
| Not a Deposit | Not Insured by the FDIC or Any Federal Government Agency | Not Guaranteed by Gate City Bank | May Lose Value |
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