Claims

The claim is when the policy proves its value.

We'll help you through it, from the first call to the final settlement.

EmergencyCall your carrier's 24-hour claims line first. The number is on your policy documents and insurance ID cards.

Call (623) 873-1234service@commercialy.com

What to do first

Right after a loss.

Four things, in this order.

  1. 01

    Make sure everyone is safe.

    Your safety comes first. Call 911 if anyone is hurt or there is immediate danger.
  2. 02

    Write it all down.

    Photos, dates and times, witness names and numbers, and every receipt related to the loss.
  3. 03

    Call your carrier.

    Claims are filed with the insurance company. The claims number is on your policy documents and ID cards.
  4. 04

    Then call us.

    We're your advocate. If the claim gets complicated or disputed, we can help.

Claims contacts

Your carrier's claims number.

It's on your insurance ID card and on your policy's declarations page. If you can't find it, call us at (623) 873-1234 and we'll connect you.

How we help with a claim

How we can help06

  • Find your policy documents and the carrier’s claims contact.
  • Explain what your policy covers for this kind of loss.
  • Go over a denial with you and lay out your options.
  • Put you in touch with a public adjuster if the claim is complex.
  • Follow up with the carrier when communication stalls.
  • Make the policy changes you need before the next renewal.

Protect the claim06

  • 01Report the claim promptly. Late reporting can complicate coverage.
  • 02Never admit fault at the scene of an accident.
  • 03Keep every receipt for emergency repairs and temporary expenses.
  • 04Get more than one estimate for property repairs when you can.
  • 05Keep a written log of every conversation with the adjuster.
  • 06Don't sign a final release until you're sure the claim is fully resolved.

The claim is between you and your carrier. We stay in your corner.

As your agent we advise, follow up and escalate for you, but the carrier's claims department decides coverage and settlement. If you believe a claim is being handled unfairly, your state's Department of Insurance is the regulator to contact.