What to Expect When You Have a Business Property Insurance Claim

Broken glass black door of a store

We understand that unexpected events at your business can be challenging, and our goal is to make your insurance claim experience as smooth as possible so you can get back to business as quickly as possible.

Here’s what you can expect when you have a business property insurance claim with us:

1. Contact Us: The first step in the claims process is to reach out to us as soon as possible after an incident/loss occurs. You can report your claim at our online Claim Center, through your IndianaFarmers.com account, or by contacting your local independent insurance agent. Having your policy number and essential details about the incident on hand will help speed up the process.

2. Provide Details: During your call with our claims team, you will need to provide detailed information about the incident. This includes the date, time, and location of the event, as well as telling us what happened and what was damaged. Be as specific as possible to ensure an accurate assessment of your claim.

3. Emergency Repairs: Make any temporary or emergency repairs needed to prevent the damage from getting any worse. This can include such things as tarping a leaky roof, boarding up a broken window, or getting standing water pumped out of a basement.

4. Gather Documentation: To support your claim, you'll need to provide documentation. This typically includes photos of the damage or incident, any police or fire department reports (if applicable), and a list of damaged or stolen items. Keep copies of any receipts or invoices related to repairs or replacements.

5. Receive Your Claim Number: Once your claim is reported, you will receive a claim number. This number is essential for tracking the progress of your claim and for reference in any future communications regarding the incident.

6. Meet with an Adjuster: Depending on the nature and complexity of your claim, an adjuster may need to assess the damage in person. They will arrange a convenient time to meet with you, inspect the damage, and gather additional information to process your claim.

7. Claim Evaluation: Our team will carefully evaluate all the information and documentation provided to determine the extent of your coverage and the amount of compensation you are entitled to under your policy.

8. Claim Resolution: Once the evaluation is complete, we will work to get your claim resolved. We will keep you updated on the outcome and the amount of compensation you can expect to receive.

9. Repair or Replacement: Once your claim is given the green light, you can proceed with the necessary repairs or replacements. Keep copies of all invoices and receipts related to these expenses as they may be required for reimbursement.

10. Review Your Policy: After your claim is resolved, take the time to review your insurance policy with your agent. It's a good opportunity to discuss any changes or adjustments that may be needed.

Our team of experienced claims professionals, along with your dedicated independent insurance agent, will be with you throughout the entire process, from the moment you file the initial report to the moment we reach a final resolution.

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