Make It Safe
People first, property second. If it's an auto accident: photos, the other driver's info, and a police report number if one exists.
Document Before You Fix
Photograph everything before temporary repairs — then prevent further damage (tarp the roof, shut the water). Keep receipts; mitigation is covered.
Talk To Us Before Filing
Tell the concierge what happened. Sometimes filing is obviously right; sometimes a claim below your deductible just buys future surcharges. We'll do that math with you honestly.
File With A Human Watching
We file with the carrier, track the adjuster, and keep the timeline moving. You get the same live-tracking treatment your quotes got.
Will filing raise my rates?
At-fault auto claims and most home claims: usually, at renewal. That's exactly why we gut-check claims below or near your deductible before filing.
How long does a claim take?
Auto glass: days. Standard auto damage: one to three weeks. Roof and water claims: weeks to months depending on scope and season. We push the whole way.
The carrier's offer feels low. Now what?
Estimates get supplemented constantly — contractors find covered damage adjusters missed. We handle the supplement paperwork and escalate when the number is genuinely wrong.
What if my claim is denied?
Denials cite policy language; sometimes correctly, sometimes not. Our advocates read the denial against your policy and pursue the appeal when the carrier is reaching.