Filing Umbrella Insurance Claims

At Hyman Brown Insurance Agency Inc., we understand that many businesses in Commerce, GA find umbrella insurance confusing, especially when making a claim. Here’s a helpful guide to help you navigate the process when submitting your umbrella policy claim.

Evaluating Your Current Liability Coverage

Before making an umbrella insurance claim, it’s essential to ensure your existing liability coverage has been exhausted. An umbrella policy only takes effect if your primary liability coverage reaches its limit. If a lawsuit threatens to max out your basic cover, you can make a claim on your umbrella policy.

Compiling Information About the Claim

The next step is to gather detailed information about your claim to present to your insurance team. This information could include police reports, previous insurance claims, and incident reports. Collating this information before filing your claim facilitates a smoother process.

Remember, this data is crucial to your claim—without it, you won’t be able to file a claim. Simply stating that you need umbrella protection is not sufficient. Consult with your agent to understand the precise details required; they can guide you in collecting all suitable and necessary information.

Submitting Your Claim

Once you’ve collated all the necessary data, you can submit your claim to your insurance agent. Depending on multiple factors, you should typically receive a claim approval notice rather quickly. Remember that you can always lodge an appeal if your claim is denied.

Lean on Our Expertise

Hyman Brown Insurance Agency Inc. has a proven track record of helping several Commerce, GA businesses with their insurance claims. Drawing from years of experience, we are confident in our ability to support you. Don’t hesitate to contact us if you need help.