HURRICANE CLAIMS ALERT
FOR GHT INSURANCE POLICYHOLDERS
It is possible that your area could be affected by the upcoming hurricane. If so, and you have an insurance claim, please reference the list of our insurance carriers and their direct claim numbers. You can also leave a voicemail with our agency if the claim happens outside of our normal business hours as we will be checking the voicemail on a regular basis throughout the Holiday weekend.
| American Reliable | Contact the agency at 804-428-0000 |
| Auto Owners | Contact the agency at 804-428-0000 |
| Builders Mutual | 1-800-809-4862 |
| Dairyland | Contact the agency at 804-428-0000 |
| Everett Cash Mutual | Contact the agency at 804-428-0000 |
| Foremost | Contact the agency at 804-428-0000 |
| GMAC | 1-800-468-3466 |
| (The) Hartford | 1-800-553-1710 |
| Hagerty | Contact the agency at 804-428-0000 |
| Hanover (Allmerica Financial) | 1-800-628-0250 |
| Kemper | 1-888-252-2799 |
| Markel | 1-800-362-7535 |
| National Grange (Main Street America) | 1-877-425-2467 |
| Northern Neck | CATASTROPHIC CLAIMS ONLY - (877) 968-7252 Otherwise, contact the agency at 804-428-0000 |
| Ohio Casualty | 1-866-255-5530 |
| Progressive | 1-888-502-8330 |
| Southern | 1-800-877-9006 |
| Travelers | 1-800-CLAIM33 |
| Zurich | 1-877-962-2567 |
What Do I Do In The Event Of A Claim?
- First thing to remember is that it is your duty to do what is necessary to protect your property from further damage. “Reasonable costs” for temporary repairs are usually covered.
- Take photos and keep receipts for any expenses that may be eligible for reimbursement.
- Within a reasonable time period, you need to contact the company (at one of the numbers listed above) or our agency at 804-428-0000. It is important to remember that when there is a catastrophic event claims are processed differently than a non-catastrophic claim. It will take time to staff and process the claims and claims will be handled as quickly as possible based upon level of loss. Be patient with your agent, your company and your claims adjuster as they are there to help you during this stressful time.
- When reporting your claim, report your policy number/address and give a detailed description of the damage including if there were any injuries. If your home is severely damaged and uninhabitable, tell the person to whom you are reporting the claim and ask for instructions on how to proceed. (A power outage is not considered an uninhabitable home).
- You should be contacted within 48 hours of reporting your claim, HOWEVER immediately after a storm or catastrophic event this could take a little longer. Also, if your area is inaccessible due to storm damage, this may delay the claims process and the large number of claims may delay the adjusters in completing inspections.
- You will have a deductible relating to your claim and you may have a named storm deductible which is usually larger than your deductible for non-storm related damage.
- Check the terms of your policy for any debris or debris removal coverage that may be available to you.
- Make sure you give a copy of any estimates for repair to your adjuster and likewise give a copy of the adjuster’s estimate to your contractor. If the contractor has questions, they should contact the adjuster who prepared the estimate. The adjuster’s estimate does not guarantee payment as the Company will determine what is covered and the amount to be paid.
GHT Insurance Agency is always here to help you with your needs. Do not hesitate to call the Agency with questions at 804-428-0000.
We Can Handle All Your Insurance Needs.
The goal of GHT is to simply grow with our clients. When you have a policy through one of our top-notch insurance companies, you can focus on the things that are most important to you or your business.
We’ve offered quality products, competitive prices and responsive claims service since 1898. Our reputation for excellent customer service is second to none. Sounds like we’re bragging? Maybe we are. Our most important asset is our team, which has allowed us to grow to serve you, our customers, for over 100 years.
Featured Article - Bonds
The federal stimulus money is beginning to hit the local municipalities and school systems. These entities are putting their share to work by doing the renovations and additions to their various schools and other projects that they have not had the funds for prior to now. Municipalities and school systems have their guidelines to follow as to when to require a bond for work performed. Most of these projects will come with a bond requirement. Click here to read full article.
Recent Referral Contest Winners
Congratulations to Jimmy Shaban of Union Mortgage Group for winning our first quarter referral contest drawing. He has received a $50 cash bonus for referring business to our agency. Thanks for the business, Jimmy.
Win a Pot O’ Gold! Referrals are Golden, Just Keep Talking
Please see our Friends & Family Referral Program page for more information on how you can qualify to be included in our quarterly referral contest drawings.
