Claim Information

Available Claim Forms

To submit a claim use one of the appropriate company links below. If none are available for your particular claim, please contact us directly.

Flood Property Loss Claim Form
Property Loss Claim Form
Renters Property Loss Claim Form

Alfa Vision Policy Information

Alfa Vision Payment Link

Omni

National Lloyds

National Loyds Payment Link

Universal Property and Casualty Insurance Company

Secondary Home

Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.

Flood Coverage

Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.

Personal Property / Contents - Property Damage

Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.

Fire

Make sure your homeowners policy contains guaranteed replacement cost coverage. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. Also be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.

Personal Injury

Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but it may not cover rumors or statements that damage a reputation. You need to add an endorsement to your policy to expand coverage to include liability protection that covers personal injury.

Umbrella / Excess Liability Coverage

An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Jewelry, Fine Arts, and Collectibles

Valuable possessions insurance covers personal property that may have unique value, cannot be replaced like regular personal property or is subject to special types of losses such as breakage or mysterious disappearance. For most valuable possession categories, there is no deductible applied at time of loss. Valuable possessions insurance can be added to your homeowners policy or may be written as a separate policy.

Wine Collection

If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

Additional Living Expense / Loss of Use

Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.

Off-Premises Theft

Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.

Water Backup

Water backup coverage can be added to most insurance policies. Consider adding it so that you have the coverage you need in the event of damages caused by a clogged drain, sewer, sump pump, and related risks.

Personal Liability

Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Medical Expenses

Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.

Miscellaneous Coverage

You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.

Quick Links

Home Our Products About Us

Our Carriers Blog Contact Us

Location

800 Seahawk Circle
Suite 142
Virginia Beach, VA 23452
Phone: 757-437-9647
Fax: 757-437-8952

Claim Information

Available Claim Forms

Appalachian Underwriters, Inc.

Assurant Health

Alfa Vision Policy Information

Alfa Vision Policy Information

Alfa Vision Policy Information

Alfa Vision Payment Link

Alfa Vision Payment Link

Alfa Vision Payment Link

Mercury Insurance

Hartford Insurance Company

CNA Surety

Gainsco, Inc.

GMAC Insurance Payment Link

Lloyds

Safeco Payment Link

Safeco

Tapco Underwriters, Inc.

American Mercury Insurance Co.

American Modern Insurance Group

National Flood Services

NCCI Holdings, Inc.

Omni

Omni

Omni

Progessive Payment Link

Progressive

Tapco Underwriters, Inc.

American Modern Insurance Group

Bankers Insurance

Kemper Insurance

Lexington Insurance Co.

Chubb

Unitrin Kemper

Lexington Insurance Co.

MetLife

NCCI Holdings, Inc.

Philadelphia Insurance Companies

State Auto Insurance

State Auto Payment Link

Superior Access

Unitrin Payment Link

American Intl. Group

AIC

American Modern Payment Link

Cabrillo General Insurance Agency

Chubb

Hanover Fire & Casualty Insurance

Hanover Insurance, Allmerica

Kemper Insurance

Lexington Insurance Co.

Lloyds

National Flood Services

National General

National General Payment Link

National Lloyds

National Lloyds

National Lloyds

National Loyds Payment Link

National Loyds Payment Link

National Loyds Payment Link

Philadelphia Insurance Companies

Progessive Payment Link

American Strategic Insurance

American Strategic Insurance

Progressive

Safeco

American Strategic Insurance

Safeco Payment Link

Superior Access

CNA Surety

Bankers Insurance

AIC

American Modern Insurance Group

Cabrillo General Insurance Agency

GeoVera Insurance

Insurance Noodle

MetLife

National General