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Below is a list of articles that relate to claims. Please check back often as items are added to this list.
Check List Of What You Should Do In Case Of A Property Loss
If you have a loss - no matter how small - it can be a traumatic experience. Your Agent and people here at Fulmont Mutual Insurance Company want to reduce your exposure to this trauma to make it a less stressful for you. We hope the following information will do just that.
No matter what type of a loss, you must take reasonable steps to protect your property to avoid further damage.
Protect Property From Further Damage:
Contact Your Agent:
Damage To Personal Property:
There may be additional duties your policy requires you to do. You should review these conditions in your policy. You will find this information:
A Homeowners, Mobilehomeowners or a Farmowners policy you can refer to ML-20 ed. 6/99, pages 7, 8, & 9, items 1-6;
A Standard Fire or a Landlord Package policy you can refer to FL-20 ed. 1/92, pages 6 & 7;
A SMP, Businessowners or a Commercial Standard Fire policy you can refer to SF-20 ed. 1/88 page 7.
The information contained in this article is not intended to replace the wording in your policy. We urge all concerned parties to verify the information contained herein by reviewing their own specific policy.
While care has been taken to present accurate information, neither Fulmont Mutual Insurance Company nor Empire Web pages may be held responsible for error, omissions and/or inaccuracies that may be contained in this article. Nor may Fulmont Mutual Insurance Company or Empire Web Pages be held liable for damages or losses resulting either directly or indirectly from the use of information presented here.
Your claim is an obligation we assumed when we provided you with your insurance policy. Once the claim is reported to us it will be serviced by either our Company claims personnel or an independent claims adjuster. Whatever our choice of adjusters your claim will be handled promptly and efficiently.
If you are not satisfied with your claim adjustment you can e-mail us at firstname.lastname@example.org or write us at
Attention: Complaint Department
We are required by law to advise you that, "Should you wish to take this matter up with the New York State Department of Financial Services, you may file with the Department either on its website at http://www.dfs.ny.gov/consumer/fileacomplaint.htm or you may write or visit the Consumer Assistance Unit, NYS Department of Financial Services, 25 Beaver Street, New York, NY 10004-2319 or One Commercial Plaza, Albany, NY 12257.
To protect your property at the time of water, smoke, or fire damage, contact a professional restoration service as soon as possible.
As a policyholder, you never need to despair at the time of a property loss. Let your insurance company specialists do their best job to settle your covered claim, and let the specialists in the Restoration service do their best job to restore your property to its original state. The following is a listing of various restoration services companies. They can provide restoration service for damage resulting from fire, smoke, water or other type of loss. Some also do carpet and upholstery restoration. Others will also provide construction services. An insurance professional handles your insurance needs, and a restoration professional should handle your restoration needs, too. You will be most satisfied with the results!
A third party claim is when a person other than you, or your family residing with you, seeks to recover money from you, usually as a result of an accident. This third party is often referred to as the injured party and/or the plaintiff. Whenever an accident occurs on your property, you should notify your Insurance Agent or Company as soon as possible. It would be helpful to record as many details of the accident as you can remember.
If the plaintiff decides to present a claim against you, the plaintiff's attorney normally completes the legal work. This may be accomplished through a letter to you from the plaintiff attorney or by a summons. In either case, you should send these legal papers immediately to your Agent or Insurance Company. Your Insurance Company will normally respond and defend you. In order for your Insurance Company to build a proper defense, you are requested to cooperate with your Company and any of its representatives such as an independent adjuster or defense attorney. If someone contacts you and you are not sure who they are, before cooperating or allowing them on the loss location, contact your Company first to verify that they are indeed a representative of your Insurance Company and not a representative of the plaintiff.
It is very important that you do not communicate directly with the plaintiff or plaintiffs representative regarding the claim. If you are approached by the claimant's Insurance Company, plaintiffs attorney or investigator, or you are asked to do any of the items below, decline the request and refer them to your Insurance company's claim department. The items include, but are not limited to:
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