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Something happened. Here's what to do next.
We can't adjust claims ourselves, but we'll help you report it, explain the process and stay on it with the insurance company.
In an emergency, call 911 first. For a new claim after hours, call the claim number on your policy or ID card. Most insurance companies take claims 24/7.
Six steps after a loss
1. Make it safe
Make sure everyone is okay. Call 911 if anyone is hurt or there's a fire. If it's safe, prevent more damage: tarp the roof, shut off water, move the vehicle off the road.
2. Document everything
Take photos and video of the damage before cleanup, from wide shots to close-ups. Write down dates, times, names and the other driver's insurance information.
3. Report the claim
Call your insurance company's claim line (it's on your policy and ID cards) or call us and we'll help you report it. The sooner it's reported, the better.
4. Keep receipts
Save receipts for emergency repairs, hotel stays and meals if you can't live at home. Many policies reimburse these under additional living expense.
5. Meet the adjuster
The insurance company assigns an adjuster to inspect the damage and review your coverage. Point out everything, and get repair estimates in writing.
6. Call us anytime
If something doesn't make sense, or the process stalls, call the office. We'll explain what's happening and follow up with the insurance company for you.
Common claims we help with
- Hail and wind damage to roofs, siding, vehicles and outbuildings
- Auto accidents and animal collisions, especially deer and elk
- Water damage from frozen or burst pipes
- Wildfire and smoke damage
- Theft of tools, equipment and trailers
- Livestock losses covered under farm policies
- Liability claims when someone is hurt on your property
Questions about claims
Does Aroy Tanzania pay or adjust claims?
No. Claims are handled and paid by the insurance company that issued your policy. We help you report the claim, understand your coverage and keep it moving.
Will filing a claim raise my rate?
It can. It depends on the insurance company, the type of claim and your history. For small losses close to your deductible, call us first and we'll talk through the pros and cons.
How long do I have to report a claim?
Policies generally require prompt notice. Some deadlines for hail and wind claims are set by policy language and state law. Report as soon as you reasonably can.
What if I disagree with the adjuster's estimate?
Ask for the estimate in writing, get an independent contractor's estimate and send it to the adjuster. We can help you understand the appraisal process that many policies include.
Want to get ahead of hail season? Read our hail season guide or use the policy review checklist.
Let's take a look at what you have.
Send us your current declarations page or just tell us what you own. We'll compare options and explain the differences in plain English. A review costs nothing.