Understanding the Claims Process

 

Once your claim is taken by the agent or taken directly by Alfa Alliance, it is assigned to an Alfa Alliance claim handler. The adjuster will assess your damages and write an estimate or ask you to provide an estimate. If the adjuster is able to write the estimate upon inspection of your damages, you may receive a settlement right then for your covered loss. If not, Alfa Alliance will mail you a check. The check may be made out to you, you and your contractor/repair facility, or to you and your mortgage company/lien holder.

The length of time it takes to settle a claim varies according to the severity of the loss and the number of losses Alfa Alliance receives. Every effort will be made to handle your loss as soon as possible and to resolve the claim within a reasonable time frame. 

Our goal is to inspect and settle as many damage claims as possible, as soon as possible. This may mean that an adjuster will be unable to schedule every appointment, but rather inspect your residence prior to setting up a meeting with you. However, our adjuster will leave contact material to confirm an inspection has occurred, which may include a settlement check for damages that were readily apparent during the initial examination of the property.

The following are things you can do to help us help you:

• Contact your local Alfa Alliance Insurance agent (contact information at Find An Agent) or report your claim directly to us at 800-394-8642 immediately after the damage or loss has occurred. It is very important that you do not wait.
• Gather as much information as possible such as your policy number, date of the loss, what caused the loss, your contact information and the severity of your loss.
• Make temporary repairs such as covering broken windows and holes in the roof to prevent future damage from occurring. Save all receipts related to these repairs and be prepared to provide to your adjuster.
• If possible, take photographs of your damaged property and be prepared to provide to your adjuster.
• If you must relocate, keep receipts on all your expenditures related to your loss of use such as hotel and restaurant receipts.
• Before a disaster, fill out the Personal Property Inventory form and keep a copy off-site in a safe place.