Client Service

Before filing a small property claim, compare the likely covered loss with your deductible and consider whether the event is actually covered. Protect the property from further damage first, and ask your agent about the process without assuming that an informal discussion opens a claim.

A useful starting point is the value of assets and future income you want to protect, along with the liability risks created by your home, vehicles, rentals, pets, and activities. Umbrella carriers also require minimum limits on the underlying home and auto policies.