Understanding the claims process.

We're here to help every step of the way.
  1. Auto
    claims
  2. Homeowner
    claims
  3. Commercial
    claims
  4. Life
    claims
  5.  

If you’re in an auto accident

  • Stay at the scene
  • Contact the police immediately
  • Exchange contact information, the name of your insurance company and policy number with the other parties involved in the accident
  • If applicable, be sure to gather contact information for any witnesses
  • Avoid discussions of insurance policy coverage, limits or fault
  • Report the claim once you and your car are safe. You can call our 24-Hour Loss Reporting Center at (800) 445-3030 or log into your 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, your representative will explain the details of your policy coverage, go over the facts of the accident and discuss your vehicle damages.

If your vehicle is repairable

Choose a repair shop
You’ll have the option to choose any repair facility you would like to complete the work on your vehicle or you can take advantage of the Grange Preferred Shop Program. Your Grange claim representative can explain the benefits of our Preferred Shop Program, which includes a lifetime guarantee on repairs while you own your vehicle.


We arrange a vehicle inspection
Your Grange claim representative will discuss the options available to you for getting an estimate for the damage to your vehicle.


Estimate and payment
Once an estimate has been obtained, your Grange claim representative will work to determine an agreed-upon repair price with your repair shop. Of course, you will receive a copy of the estimate for your review.

An initial payment (less your deductible) will be issued based on the approved preliminary estimate. Should your repair facility find additional damage, they will simply contact Grange Insurance for approval to add the additional items.

If your vehicle is totaled

We arrange a vehicle inspection
Your Grange claim representative will arrange for your vehicle to be inspected. This inspection will allow us to gather enough information to determine the Actual Cash Value (ACV) of your car. ACV is the market value of the vehicle, considering factors such as age, mileage, options, prior damage (dents, rust, etc.) and refurbishments – it is not based on how much you owe on the vehicle.


Complete Grange Insurance Total Loss forms
Next, your claim representative will mail, email or fax all of the necessary forms for completion.


Claim settlement
Once we receive the vehicle evaluation, your Grange claim representative will contact you to review that evaluation and the settlement amount. They will advise you of the next steps in order for payment to be issued. With your help, payment for your loss can be issued 7-10 business days from the day your claim is reported.

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 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.

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 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 coverage and thoroughly review the damage to your property.


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

If you have damage to personal property, your claim representative will ask you to complete the Grange Property Loss Inventory Sheet. Provide as much information as possible on the form, including the make, model, serial number and estimated price of each damaged item. This is also the time to gather proof of ownership, such as owner’s manuals and receipts, if they’re available.


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.


Contact your claim representative with questions
Once your claim has been handled, your claim representative will continue to work with you to resolve any concerns, questions or issues.

If a deceased loved one has life insurance

  • Obtain a certified death certificate.
  • Contact your Grange agent or call the Grange home office to start the claim process at (800) 399-3797.
  • Complete our official Life claim form thoroughly and legibly, including the HIPAA release form on the last page. You can request the Life claim form from your agent or Grange Life.
  • Mail the completed form and a certified death certificate (unfortunately, we cannot accept copies, but we will return your original upon request) to Grange Life Insurance Company, 671 S. High St., Columbus, OH 43206, Attn.: Life Claims.

If the beneficiary is a minor child or mentally incompetent

Approach the legal guardian
When the beneficiary of a life insurance policy is a minor child or mentally incompetent, the Life claim form must be signed by the legal guardian. Proper legal identification is required to establish that the person completing the form is the legal guardian and authorized to sign the form.

If the insured person’s estate is the beneficiary

Contact his or her legal representative
Sometimes a life insurance policy is set up so the claim proceeds go directly into the insured person’s estate. If this is the case, the Life claim form must be signed by the insured’s court-appointed executor(s), administrator(s) or personal representative. This person must provide proper legal identification to prove that they’re legally authorized to complete and sign the Life claim form.

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