Based upon a new concept, Insurance Partners, not only will the broker and the company take responsibility for proper protection and indemnity in the event of loss, but the client will also take his/her share of responsibility to insure the safety of his property.  This is done by keeping the property well maintained and using qualified professionals to update or change the roofing, heating, electrical, water heater(s), and plumbing systems in their homes when needed. It is important that homeowner’s understand that multiple claims or claims arising out of poor maintenance may adversely affect their insurance.

When the time comes to file a claim, you will be asked to supply detailed information regarding your claim. Be complete and supply as much detail as you can and, of course, be truthful. To support your claim, it may be necessary to supply some documentation. Pictures of your tree atop the neighbor’s garage, details on your personal property destroyed in a fire, and so forth. The better you document your property beforehand with pictures, receipts, and other evidence, the more likely your claim will be processed smoothly. If you should experience damage from a covered peril of your policy, you can make temporary repairs to prevent further damage to your property. Remember to keep all receipts for your claims adjuster, and do not sign any deals with contractors or lawyers until you have spoken with your independent insurance agent.

Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.