Claim questions

How will I know if my claim is covered by my policy?

Your claim representative will review your policy with you and help you understand the coverage available for damages to your vehicle and other vehicles and/or property.

Is there a deductible?

Yes, your policy has a deductible. The amount can vary depending on your policy and type of loss. Your deductible is the amount you pay out-of-pocket toward the resolution of your vehicle damage claim.

How will I be paid?

If there is coverage for your claim, we will make a payment to you and include your shop or lienholder for the repair or total loss of your vehicle minus any applicable deductible.

Our secure electronic claims payment service is available for auto claims. You can receive your e-payment in as little as a few hours via one of our direct deposit options:

• Direct deposit to checking or savings account
• Direct deposit to debit card
• PayPal deposit
• Instant prepaid virtual card

Can you recommend a shop for repairs?

You have the right to choose your repair shop. We do have a network of preferred shops that guarantee their work if you are interested in a shop recommendation.

Will I be able to rent a vehicle while my vehicle is not drivable and/or being repaired?

Yes, if you have selected rental car coverage. We will review your policy and advise you how the coverage applies to your claim.

If you have additional auto insurance claim questions, contact your claim representative for assistance.

How will I know if my claim is covered by my policy?

Your claim representative will review your policy with you and help you understand the coverage available for damages to your home and personal belongings.

Is there a deductible?

Yes, your policy has a deductible. The amount can vary depending on your policy and type of loss. Your deductible is the amount you pay out-of-pocket toward repair or replacement costs, which, in most cases, you pay directly to your contractor.

How will I be paid?

If there is coverage for your claim, our first payment will pay the actual cash value of the property that was damaged minus any applicable deductible. The actual cash value is the cost of replacing or repairing an item today after subtracting the depreciation. If your policy has replacement cost coverage, you may receive additional payment after your repairs are completed.

Our secure electronic claims payment service is available for property claims. You can receive your e-payment in as little as a few hours via one of our direct deposit options:

• Direct deposit to checking or savings account
• Direct deposit to debit card
• PayPal deposit
• Instant prepaid virtual card

What is recoverable depreciation?

Depreciation is the amount your home or personal property has decreased in value since originally purchased. It’s affected by things like age, condition and whether a newer model has been released. For example, if you brought a new water heater for $1,000 five years ago and used models currently sell for $400, then your water heater has depreciated by $600.

How do I request recoverable depreciation?

Once the repairs are completed or the items are replaced, you’ll need to submit proof of purchase or repairs via receipts or invoices. We’ll review them and send you a payment for the applicable recoverable depreciation, or the amount of depreciation reimbursable based on our estimate of repairs and/or replacement costs.

What if I have a mortgage on my home?

If you experience damage to your home, please notify your mortgage company as soon as possible. If you have a mortgage loan, both you and your lender have a legal interest in your property and money at risk if your home is not repaired. Typically, we will put both your name and the name of your lender on the payment to protect the financial interests of both parties. You will be responsible for contacting your mortgage company to get the check endorsed. Both you and your mortgage lender have to approve payment.

Can you help me find a contractor?

Yes, Grange is partnered with the Crawford Contractor Connection, a national leader of home renovation and repair with more than 6,000 top-quality contractors in its network. Please advise your claim representative upon first contact if you are interested.

What if I can’t live in my home until the repairs are completed?

If your home is not livable during the repair process, your claim representative can help you find temporary housing and explain how we might cover additional living expenses.

What happens if I begin the repairs and then find additional damage?

You or your contractor should contact your claim representative immediately and hold off on making any new repairs until you speak to them. Depending on the nature of the damage, we may need to reinspect your property first. If we find that the additional damage is related to your claim, we’ll update the repair estimate.

If you have additional home insurance claim questions, contact your claim representative for assistance.

What if I have a workers compensation claim?

The first concern is the well-being of your employee. If treatment is required send the employee to one of the providers listed on your physician panel if possible.

Report injuries as soon as they occur by phone at (800) 445-3030 or email Lossrept@grangeinsurance.com. Failure to report claims promptly could result in fines and penalties.

What initial information do I need to gather before I report the incident?

• Your policy number and company name
• Details on how the accident happened
• Contact information for the injured employee
• Medical treatment details
• Optional: Witnesses, other parties involved and/or Police Report

What detailed information do I need to gather before I speak to my claim representative?

• The circumstances of the incident
• Any concerns you may have about the claim
• The employee’s prior claim history
• Any pre-existing medical conditions that may impact the claim
• Witness information
• Wage history
• Your ability to accommodate work restrictions

Do I need to file a police report?

If you filed a police report, we may request a copy from you or the responding agency to help with our claim investigation. If you did not file a police report, we may request that you file one depending on the details of your loss.

What should I do if something changes during an existing claim?

If there is a change in the injured worker’s employment status or your ability to accommodate work restrictions, please immediately contact your claim representative. Send any information you receive about the claim to your claim representative.

If you have additional insurance claim FAQs about workers compensation, contact your claim representative for assistance.