Understanding the claims process

If there's damage to your property

• Prevent further damage. Take action if your building has been exposed to the elements due to wind damage or other reasons.
• Save all the receipts and documents related to emergency repairs.
• Contact police immediately if there's been a burglary or other crime.
• Report your claim by calling our 24-Hour Loss Reporting Center at (800) 445-3030 or logging into your My Grange account.

What to Expect

You’ll get a call from us right away
After you’ve reported your claim, you’ll receive a call from a Grange claim representative. During the call a Grange claim representative will work directly with you to explain the details of your policy, thoroughly review the damages to your property, answer any questions you have and schedule an appointment to assess the damages.

Documentation of inventory
Your claim representative will need information about the age, brand names, model numbers and replacement costs of everything that’s been damaged or stolen. Your receipts, manuals, warranty information, appraisal photographs and any available original manufacturer packaging will be an important part of this process.

Financial record documentation
To determine your lost income and expenses, your claim representative will need sales records, profit and loss statements, tax records and other information.

Heavy equipment replacement
If your heavy equipment is destroyed, your claim representative will need information about the make, model, engine, options, refurbishments and other data so we can research replacement costs.

Heavy equipment damage or theft
If your heavy equipment is damaged, or stolen and recovered with damage, your claim representative will provide an estimate to you and your repair facility, along with payment for damages less your policy deductible.

Reopening expenses
If the damage caused you to temporarily close your business and take emergency steps to re-open, your policy may cover those costs. Be sure to save your receipts.

Damage estimate and payment
Your claim representative will provide an itemized estimate, discuss repair options, and in many cases, issue a payment at the time of inspection.

Sign up for electronic claims payment
Our electronic claims payment service can save you time and hassle when you file a claim. You can receive your payment within hours via direct deposit. Contact your Grange claim representative for more information on electronic claims payment options and sign up today.

If there's damage to your home

• Avoid making payments beyond emergency first aid. In some cases you may need to make temporary repairs to mitigate (or prevent) further damages. If you do make any temporary repairs, keep record of any fees to repair or replace damaged items.
• Work to make any temporary home repairs to prevent more damage to your home or property. Keep all of your receipts and any damaged items or parts. If possible, remove and protect all personal property from the affected areas.
• If a fire has damaged your home, you may need to call a contractor to secure the home and disconnect utilities. Remember to save any items damaged by the fire.
• If you have water damage, it’s a good idea to stop the flow of water by turning off your home’s main water supply. A plumber may also be able to help if you have any questions. Safety first. Never attempt potentially dangerous repairs. Be aware of submerged electrical outlets, appliances or chemicals that may be inside standing water.
• If wind, hail or another act of nature causes damage to your home, make temporary repairs to protect your property from more damage.
• If your home has been burglarized or vandalized, notify the police and take steps to secure your home. Then, take a careful inventory of your damaged or stolen property. Be sure to notify banks and credit card companies about any missing debit or credit cards.
• If you have a power outage, unplug computers and other electronics to avoid possible electrical damage from power surges.
• Report your homeowner claim once you’ve safely secured your home from more damage. You can call the 24-hour Loss Reporting Center at, (800) 445-3030 or log into your My Grange account.

What to expect

You’ll get a call from us
Your dedicated Grange claim representative will contact you to ask about the details of your loss and explain your policy coverage and the claims process, including options for obtaining an estimate for any damages.

Assessing your damage
Your claim representative will guide you through each step of the claim process and work with you to resolve your claim fairly and effortlessly.

If your personal property was damaged or stolen, the more information you can provide about each item, the better. We understand that trying to recreate a comprehensive inventory of your belongings can be especially overwhelming. Our goal is to make it as easy as possible for you! Your claim representative will review all of the options available to you for compiling your list, including our online Contents Inventory where you can easily document a description of each item along with its age, estimated replacement cost and other details. Be sure to set aside any proof of ownership materials, such as owner’s manuals and receipts as well.

If you have structural damage to your property, your claim representative may arrange an on-site appointment to review the damages with you and prepare an estimate.

If you need a contractor for repairs and don’t already have one in mind, we partner with Crawford Contractor Connection, a national network of contractors. Selecting a contractor from this network comes with a few extra perks and peace of mind. Crawford Contractor Connection ensures the contractors they refer are financially stable, licensed and insured. They monitor the performance of all the contractors in their network to ensure quality service, and they provide you with a five-year workmanship warranty for the completed repairs. Your claim representative will provide more details on leveraging a contractor from this network. Of course, you always have the option to select the contractor of your choice.

Estimate and payment
Your claim representative will prepare an itemized estimate of all covered damages using current pricing and will review the estimate with you.

Sign up for electronic claims payment
Our electronic claims payment service can save you time and hassle when you file a claim. You can receive your payment within hours via direct deposit. Ask your Grange claim representative for more information about our electronic claims payment service.