Tailored Solutions, Elevated.

Filing a claim is simple. Here's what you need to do:

1. Contact our office to report the incident.

2. Provide all necessary documentation and details related to the claim.

Our team will do the necessary follow-up with the loss adjuster and guide you through each step to ensure your claim is processed efficiently.

If your claim is denied, we will assist you in carefully reviewing the denial letter. It will explain the reason for the decision, and this can help you understand the insurer's rationale.

Here are the steps you can take:

1. Review your policy: We will help you compare the details of your policy to the reason for the denial. Ensure the coverage you are seeking is included in your policy.

2. Gather additional documentation: If there is new information or supporting evidence that wasn't initially submitted, provide it to the insurer. This could include medical records, repair bills, or photographs, depending on the nature of the claim.

3. Appeal the decision: If you believe the denial is unjust, we will guide you through this process and help you submit a strong appeal. Most insurance companies allow you to formally contest a claim decision.

Remember, it's important to act quickly, as there are usually time limits for submitting an appeal.

Yes, you can adjust your policy at any time if your circumstances change. Whether you're adding a new car, moving to a new home, or getting married, our team will help you make the necessary updates to ensure you're always covered. Simply contact us, and we'll assist with the modifications.

Your insurance premium can be influenced by several factors, including:

1. Home characteristics: The age, location, and condition of your home can affect homeowners insurance rates.

2. Coverage amount: Higher coverage limits usually result in higher premiums.

3. Claims history: A history of frequent claims can increase your premiums.

Our team can help you understand how these factors apply to your situation and offer strategies to lower your premiums without sacrificing coverage

There are several ways to lower your premiums, such as:

1. Increasing your deductible.

2. Installing safety devices in your home or vehicle (e.g., smoke detectors, alarm systems).

3. Staying accident-free and maintaining a clean driving record.

We're happy to discuss all available discounts and provide recommendations to help you save.

Whether you can receive a refund depends on your policy terms. In many cases, insurers offer a prorated refund for the unused portion of your premium if you cancel before the end of the term. However, there may be cancellation fees or other conditions. We will help you understand the details of your specific policy and its cancellation terms.

Renewing is easy! We'll remind you when it's time, go over your current policy, and make any changes you need. It's quick and hassle-free.

Yes, we are! Our license number is 139. That means we're fully qualified to offer you reliable, trustworthy services. You can count on us to meet all the legal standards for your protection.