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Claims FAQs

You may report directly to the insurance carrier for the policy or report to the Corcoran & Havlin Claim representative.

  1. What steps can I take that will lessen the hassle of making a claim, just in case?
  2. Can my insurance company deny a claim for damages to my car if the principle place of garaging listed on my application is false?
  3. What do I do when my property is damaged or stolen?
  4. My home sustained water damage last winter due to melting ice dams on the roof. What would be covered under my homeowner policy?
  5. My home was recently broken into and I do not have sales receipts for the stolen items. What will the insurance company accept for proof of ownership?
  6. Recent rainstorms flooded and damaged my basement. Am I covered under my homeowners policy?
  7. How much will I be paid for damage to my personal property?

What steps can I take that will lessen the hassle of making a claim, just in case?

  • Purchase Guaranteed Replacement Cost coverage on your home (if it is available) or Extended Replacement Cost coverage.
  • Purchase Replacement Cost coverage on your household contents.
  • Videotape or photograph your house or apartment, and all the contents that you own.
  • Obtain appraisals when appropriate.
  • Keep sales receipts for significant purchases and whatever substantiation you have in a safe place, off premises, so your proof will not be destroyed in a fire.
  • Make sure you report any claim to us promptly, and take whatever steps you can to protect your property from further damage.
  • Schedule valuable articles.  We suggest having your jewelry appraisals updated every three years, and other items every five years to ensure that your scheduled items are adequately protected.

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Can my insurance company deny a claim for damages to my car if the principle place of garaging listed on my application is false?

Yes. If you or someone on your behalf gives false, deceptive, misleading or incomplete information on any application and if such information increases the insurance company’s risk of loss, your company may then refuse to pay claims under any or all of the Optional Insurance coverage of the policy. Such information includes the description and place of garaging of the vehicles to be insured, the names of the operators required to be listed and the answers given for all listed operators. In the event that you have moved since you filled out your initial application, promptly notify your insurance company and the Registry of Motor Vehicles of your new address.

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What do I do when my property is damaged or stolen?

Contact us as soon as possible. If there is damage to your home or possessions make "emergency" repairs to protect yourself and your property from further damage, then call your agent. For example, if some of the windows in your home have been blown out by wind, you may board them up to prevent additional damage. In fact, your policy covers the cost of these emergency measures. However, before setting about to make permanent repairs, call us. The insurance company has the right to inspect the property in its damaged condition. They may want to send a claims adjuster or instruct you to get an estimate from an independent contractor. If you have property stolen, notify the policy immediately and call your agent.

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My home sustained water damage last winter due to melting ice dams on the roof. What would be covered under my homeowner policy?

Generally damage to both the exterior and interior of a home resulting from weight of ice and snow or ice dams is covered under a homeowners policy. However, only the area damaged in the loss will be covered. Further damage sustained due to wear and tear or neglect will not be covered.

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My home was recently broken into and I do not have sales receipts for the stolen items. What will the insurance company accept for proof of ownership?

If the actual receipts are not available, insurance companies generally will accept photos, warranties, owners manuals, cancelled checks, credit card receipts, bills, servicing agreements, even video tapes, as proof of ownership. We suggest that you consider video taping your home before a loss.

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Recent rainstorms flooded and damaged my basement. Am I covered under my homeowners policy?

Flood coverage is generally excluded on the basic homeowners policy. However, some homeowners policies provide coverage for backup of sewers and drains that cause flooding in your basement. This coverage can be purchased for a nominal premium. You should check with us to see if this coverage is provided and how much it costs.

If, however, you live in a flood-prone area, you should consider and may be required by your lending institution to purchase a flood insurance policy. We can inform you about the Federal Flood Insurance Plan and the exclusions and limitations of coverage in this policy.

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How much will I be paid for damage to my personal property?

Remember that homeowners insurance is designed to cover general personal possessions, not valuable collections like antiques, jewelry or original art. Insurance companies deliberately limit their coverage of expensive possessions so that household premiums are more affordable to everyone. After all, if they had to cover museum-level art collectors under standard homeowners policies, we would all end up paying higher premiums to cover those expensive items. Your policy lists the specific monetary limits for personal property under what is called "Special Limits." Those limits usually are:

$200 for money, bank notes, gold and silver (other than gold ware and silverware), platinum, coins and medals.

$1,000 on securities, accounts, deeds, evidences of debt, letters of credit, notes (other than bank notes), manuscripts, passports, tickets and stamps.

$1,000 on watercraft, including their trailers, furnishings, equipment and outboard motors.

$1,000 on trailers not used for watercraft.

$1,000 on loss by theft of jewelry, watches, furs, precious and semi precious stones.

$2,000 for loss by theft of firearms.

$2,500 for loss by theft of silverware, silver-plated ware, gold ware, gold-plated ware and pewter ware.

$2,500 on property on the resident premises, used for business, and $250 on this property damaged or lost away from the premises.

If these limits seem low to you (maybe that engagement ring is worth much more than $2,500), you may wish to talk to us about additional coverage for specific items.

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