281-443-2121
Contact Us

About Us

• Look at your damage and determine if there are any safety risks. If safe, have repairs made to prevent further damage -- keep an accurate record of your repair expenditures.
• You may wish to obtain estimates from contractors experienced in repair work.
• Major damage may require contractor/engineer inspections.
• Some repairs may not be covered unless you purchased a specific endorsement.

• We will pay to repair or replace your damaged property subject to the terms and conditions of your policy.
• Check with your agent or claim representative for complete details.
• The claim payment may include the name of your mortgage company. If it does, be sure to ask your mortgage company about their procedure for endorsing your claim payment.

• You should protect your property from further damage, even if coverage may not apply.
• Boarding up broken windows, making openings in the roof or walls weatherproof and removing water from saturated carpet, if possible, can significantly reduce subsequent damage.
• Keep an accurate record of your repair expenditures.

• Separate items which may be cleaned and/or repaired.
• Check with your claim representative before you discard any items you plan to claim as damaged.

• Payment for expenses that are beyond your normal living expenses may be available.
• Find temporary housing for your family (there is no coverage under the flood policy for this expense).
• We suggest that you not enter into any long-term leases until you talk to a claim representative.
• Keep all receipts associated with the temporary housing, meals, and other miscellaneous expenses.

• The inventory should be room-by-room, giving complete descriptions of the damaged property.
• The description should include brand names, model numbers, age, purchase price, and place of purchase.
• Other information may be necessary on certain kinds of property.
• This list will help our claim representative in handling your claim.
• For your future protection, it would be a good idea to make a detailed inventory of all your personal belongings. A photographic record of items is helpful.

• Protect your vehicle from further damage.
• If your car is NOT drivable, you'll be advised about what to do when you report your claim.
• Tell us where your vehicle is located.
• A detailed estimate of the damage and cost of repairs will be provided to you.
• You have the right to select the repair facility that will repair your vehicle.
• We can provide assistance in locating repair facilities, if requested.
• Only you can authorize repairs to your vehicle.
• Your repair facility should contact us directly if there are questions about the estimate.

• Should any party allege that the accident was your fault, contact your agent or claim representative Insurance will conduct an investigation to assess those allegations. Subject to the terms and conditions of your policy, Insurance will pay those claims that you are legally liable to honor.

• If you or your passengers are injured in an accident in your vehicle and you have applicable medical payments coverage or personal injury protection coverage, your injury related bills will be paid in accordance with your coverage, subject to the terms and conditions of your policy.

Auto Liability Coverage may protect you in the event that you damage someone else's property or cause injury to others.

• We will pay to repair, replace or the agreed upon actual cash value of your property subject to the terms and conditions of your policy. Check with your agent or claim representative for complete details.
• We may be required to protect your lien holder as to amounts due them. The claim payment may include name of your lien holder. Be sure to ask your lien holder about their procedure for endorsing your claim payment.

• Look at your damage and determine if there are any safety risks. If safe, have repairs made to prevent further damage -- keep an accurate record of your repair expenditures.
• Major damage may require contractor/engineer inspections.
• Some repairs may not be covered unless you purchased a specific endorsement.

• You should protect your property from further damage, even if coverage may not apply.
• Boarding up broken windows, making openings in the roof or walls weatherproof and removing water from saturated carpet, if possible, can significantly reduce subsequent damage.
• Keep an accurate record of your repair expenditures.

• Separate items which may be cleaned and/or repaired.
• Check with your claim representative before you discard any items you plan to claim as damaged.

• Payment for expenses that are beyond your normal living expenses may be available.
• Find temporary housing for your family (there is no coverage under the flood policy for this expense).
• We suggest that you not enter into any long-term leases until you talk to a claim representative.
• Keep all receipts associated with the temporary housing, meals, and other miscellaneous expenses.

• The inventory should be room-by-room, giving complete descriptions of the damaged property.
• The description should include brand names, model numbers, age, purchase price, and place of purchase.
• Other information may be necessary on certain kinds of property.
• This list will help our claim representative in handling your claim. A sample inventory is available.
• For your future protection, it would be a good idea to make a detailed inventory of your personal belongings. A photographic record of items is helpful.

• Should any party allege that you or any insured under your policy is responsible for bodily injury or property damage, your insurance company will conduct an investigation to assess those allegations. Subject to the terms and conditions of your policy.

• We will pay to repair or replace your damaged property subject to the terms and conditions of your policy. Check with your agent or claim representative for complete details.
• The claim payment may include name of your mortgage company. If it does, be sure to ask your mortgage company about their procedure for endorsing your claim payment.

• Look at your damage and determine if there are any safety risks. If safe, have repairs made to prevent further damage.
• You may wish to obtain estimates from contractors experienced in repair work.
• Major damage may require contractor/engineer inspections.
• Some repairs may not be covered unless you purchased a specific endorsement.

• You should protect your property from further damage, even if coverage may not apply.
• Boarding up broken windows, making openings in the roof or walls weatherproof and removing water from saturated carpet, if possible, can significantly reduce subsequent damage.
• Keep an accurate record of your repair expenditures.
• Separate items that may be cleaned and/or repaired.
• Check with your claim representative before you discard any items you plan to claim as damaged.

• The inventory should be room-by-room, giving complete descriptions of the damaged property.
• The description should include brand names, model numbers, age, purchase price, and place of purchase.
• Other information may be necessary on certain types of property. This list will help our claim representative in handling your claim. A sample inventory is available.
• For your future protection, it would be a good idea to make a detailed inventory of your business property. A photographic record of items is helpful.

• Discuss with your claim representative any coverages that may be available under the terms and conditions of your policy.
• We suggest that you not enter into any long-term leases until you talk to a claim representative.

• Should any party allege that you or any insured under your policy is responsible for bodily injury or property damage, your insurance company will conduct an investigation to assess those allegations. Subject to the terms and conditions of your policy.

• Pay to repair or replace your damaged property subject to the terms and conditions of your policy. Check with your claim representative for complete details.

• Protect the property from further damage or loss.
• Make reasonable and necessary repairs required to protect the property. If your watercraft's engine has been submerged discuss with your marina or repair facility the feasibility of flushing and stabilizing the engine to prevent further damage.
• Prepare an inventory of damaged or stolen property. We will need a description and value of any damaged or stolen items. Attach to the inventory all bills, receipts and related documents that substantiate the figures in the inventory.
• Be sure to tell us where your watercraft is located.

• Should any party allege that property damage or bodily injury was caused by the ownership, maintenance or use of your watercraft, your insurance company will conduct an investigation to assess those allegations. Subject to the terms and conditions of your policy.

• If you or your passengers are injured in an accident resulting from the ownership, maintenance or use of your watercraft, we will investigate and pay for necessary medical expenses arising from such an accident, subject to the terms and conditions of the policy contract.

• We will pay to repair or replace your damaged property subject to the terms and conditions of your policy. Check with your claim representative for complete details.
• The claim payment may include the name of your lien holder. If it does, be sure to ask your lien holder about their procedure for endorsing your claim payment.