What to Do when You Need to File an Insurance Claim

If you have suffered damage to your house, car or business and need to file a claim:

1. Remain calm.
2. Locate your policy number and contact your company to report the claim. A list of claims and contact numbers is available on claims help page
3. Be sure to protect your home and car to prevent further damage.  A damaged roof, for example should be covered by a licensed contractor with a tarp.  Water in the basement from sump overflow can be pumped out.

3. After being connected, note your claims number, adjuster’s contact info including office and cell numbers, and their supervisor’s contact information.

5. Do not put yourself in harm’s way in protecting your property.
6. Take photos of the damaged areas and/or items.
7. DO NOT DISCARD any damaged items unless authorized by your adjuster.  Keep damaged items in a secure area until disposal has been approved.
8. Save receipts for any work you’ve had done to protect your property.
9. Do not repair the damage until authorized by your adjuster. Failure to allow a company to adjust a claim by prematurely repairing the damage can result in a claim being denied.
10. Let us know if there is anything we can do to assist you further. Contact us, at 973-284-1083 or via email at info@espositoins.com.  Be sure to provide at least 2 contact phone numbers to reach you.
11. If there has been a large storm event, it is possible that we may not be able to work from our office.  Please use our email or leave a message on our office voicemail system, we will monitor for messages.
12. Visit our website for updated general information at www.espositoins.com

For an objective forecast and analysis of approaching storms, we recommend.