Worry Free Insurance
When your insurance policy is through a SurNet broker, you get the peace of mind that comes with knowing that a team of insurance professionals is there to help you through the claims process.
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You have enough to worry about…your insurance shouldn’t be one of them
Frequently Asked Questions
- Full name and contact information
- Insurance company and policy number
- Driver’s license and license plate number
- Type, color and model of vehicle
- Location of accident and brief description of what happened including road conditions
- Pictures of damage to vehicles involved
Once your claim is reported to the insurance company, you will be contacted by the claims adjuster assigned to your file. In some cases the adjuster will want to meet with you in person; in other cases the entire claim will be handled over the telephone. To support your claim, you may also be required to complete a claim form, also known as a Proof of Loss form (a sworn statement in support of your claim). Your claims adjuster will determine the extent to which the claim is covered by your insurance policy, explain the coverage’s provided by your policy, and help guide you through the entire claims process.
If you have any questions or if there is something about your policy or claim that you don’t understand, ask your claims adjuster or broker for clarification.
Alternatively if you are claiming for something that involves the repair of your home, vehicle, etc., it is normal for insurance providers to ask for two estimates (unless they use their own contractors) so that they can compare them both. Your insurance provider will also likely be able to provide a reference list of approved businesses who you can contact for quotes on the repair.
Lastly, if a burglary or some kind of criminal activity has taken place, then you will be required to call the police and inform them of what has happened. The police may either provide you with a report or incident number to provide to your insurance company.
For a home insurance claim, in most cases you will have to contribute part of the cost of your claim…your deductible. The amount will vary depending on the agreed upon deductible in your home insurance policy and you will be informed of the amount that you are required to pay before the claim is paid.
If a claim crosses over both your home and auto policies ie: your vehicle is stolen and you had your golf clubs in the trunk, you may only be required to pay one deductible if you have both policies with the same insurance company.
Your first call, should be to your SurNet broker, to guide you through the claims process. If the claim happens outside of business hours you should call the emergency helpline right away.
Times will vary depending on the severity and complexity of your claim and the subsequent repairs and replacements required to correct your loss. Everyone’s goal is to get you back to normal as soon as possible but without jeopardizing the quality and your satisfaction with the repairs.
Please contact your SurNet broker and we would be pleased to walk you through the coverage provided by your policy.
No your insurance company will not pay for the extended Warranty. But you can contact your warranty company and they may refund a pro-rated amount for the unused portion.