What happened
A quick description and the date. We'll ask the rest. Don't worry about getting the details perfect.
When something happens, you call us.
Not an 800 number, not a chatbot. A local agent who opens the claim, deals with the carrier, and stays on it until you're paid. That advocacy is the whole reason to have an agent.
How a claim works
Four steps, and we do most of them.
Filing a claim through us is different from calling a carrier cold. You get a person who knows your policy and works your side of it.
- You call the officeReach a Calderwood agent, or use the after-hours line for emergencies. Tell us what happened, in plain words.
- We open the claimWe file it with the right carrier, using the policy details we already have on hand. No forms for you to decode.
- We push it throughWe follow up with the adjuster, chase the paperwork, and keep you posted so nothing stalls.
- You get made wholeWe stay on it until the carrier pays what the policy owes, and help you understand every number.
After-hours emergency?
Burst pipe, storm damage, an accident at 2am. Call the office line and the emergency prompt will reach the on-call agent. Do what you need to stay safe first, then call us.
Before you call
Helpful, not required.
Photos, if it's safe
A few pictures of the damage help the adjuster move faster. Only if you can take them safely.
Nothing else
We already have your policy and coverage on file. That's the point of using a local agent.
Good to know
Claims questions, answered.
Sometimes yes, sometimes no. It depends on the type of claim, the carrier, and your history. We'll give you the honest read before you file so you can decide whether it's worth it.
Call us. That's the whole advantage of an independent agent. We open the claim, talk to the carrier, and advocate for you through the process instead of leaving you to navigate it alone.
Simple claims can settle in days, larger ones take longer. Either way we keep you posted and push the adjuster so it doesn't sit in a queue.
We don't just accept it. We review the denial, check it against your policy, and go back to the carrier when it's wrong. Having someone in your corner is exactly when it matters most.
Coverage you can count on
Get an agent in your corner.
The best time to have a local agent is before you ever need to file. Get a free quote and put a real person on your side.