Claim – Densmore Insurance Strategies, Inc

Filing an Insurance Claim

We’re here to help you through every step of the claims process. Our team is committed to making this as smooth and stress-free as possible.

We're Here For You

When You Need Us Most, We're Ready to Help

Filing an insurance claim can feel overwhelming, especially during a stressful time. At Densmore Insurance Strategies, we understand that you need support and guidance when the unexpected happens. Our dedicated team is here to advocate for you and ensure your claim is handled efficiently.

Whether you’ve experienced property damage, an auto accident, a workplace injury, or any other covered loss, we’ll walk you through the entire process step by step. Our goal is to help you get back on your feet as quickly as possible.

24/7 Claims Support

Emergency claims assistance available around the clock

Fast Response

Most claims are acknowledged within 24 hours of submission

Step-by-Step Guide

The Claims Process Explained

Understanding what to expect can make the claims process less stressful. Here’s a breakdown of each step from start to finish.

Report the Incident

Contact us immediately after an incident occurs. You can call our office, use our online form, or email us. Provide as much detail as possible about what happened.

Document the scene with photos/videos

Get contact info from witnesses

File a police report if applicable

Document Everything

Gather all relevant documentation including photos, receipts, medical records, repair estimates, and any other evidence related to your claim.

Take detailed photos of damage

Keep all receipts and invoices

Write down a timeline of events

Claim Review

Our team will review your claim and work directly with your insurance carrier. We'll keep you informed throughout the process and answer any questions.

Respond promptly to requests

Provide additional info if needed

Ask questions if unclear

Adjuster Assessment

An insurance adjuster may be assigned to evaluate your claim. They may inspect the damage, review documentation, and determine the claim value.

Be present during inspections

Point out all damage

Keep records of conversations

Claim Resolution

Once approved, you'll receive your settlement. We'll help ensure you understand the payout and assist with any follow-up questions or concerns.

Review settlement carefully

Ask about payment timeline

Types of Claims

We Handle All Types of Insurance Claims

No matter what type of claim you need to file, our experienced team is ready to assist you through the process.

Property Damage

Fire, storm damage, theft, vandalism, water damage, and other covered perils affecting your home or business property.

Auto Accidents

Collisions, comprehensive claims, uninsured motorist incidents, and other vehicle-related losses.

Workers Compensation

Workplace injuries, occupational illnesses, and related medical expenses for employees.

Liability Claims

Third-party bodily injury, property damage, and personal injury claims against your policy.

Cyber Incidents

Data breaches, ransomware attacks, business interruption, and cyber extortion events.

Commercial Vehicle

Fleet accidents, cargo damage, and commercial auto incidents for business vehicles.

Helpful Tips

Claims Do's and Don'ts

Following these guidelines can help ensure a smoother claims process and better outcome.

Do's

Report Immediately

Document Everything

Take photos and videos of all damage. Keep receipts for any emergency repairs or expenses.

Keep Records

Maintain copies of all correspondence, claim numbers, and documentation related to your claim.

Prevent Further Damage

Take reasonable steps to prevent additional damage, such as covering broken windows or stopping leaks.

Get Witness Information

Collect names and contact information from any witnesses to the incident.

File Police Reports

For theft, vandalism, or accidents, file a police report and keep a copy for your records.

Don'ts

Don't Admit Fault

Avoid admitting fault or liability at the scene of an accident. Let the investigation determine responsibility.

Don't Make Permanent Repairs

Wait for adjuster approval before making permanent repairs. Temporary fixes to prevent further damage are okay.

Don't Discard Evidence

Keep damaged items until the adjuster has inspected them and given approval to dispose.

Don't Delay Reporting

Waiting too long to report a claim can complicate the process and potentially affect your coverage.

Need immediate assistance?

(515) 967-3390

Report a Claim

Start Your Claim Today

Fill out the form below to report a new claim. Our team will review your submission and contact you within one business day to discuss next steps.

Prefer to Call?

Speak directly with our claims team
(515) 967-3390

Email Us

Send claim details via email
claims@densmoreis.com

Response Time

We respond to all claims within 24 hours during business days

Common Questions

Frequently Asked Questions

Find answers to common questions about the insurance claims process.

How quickly should I report a claim?

You should report a claim as soon as possible after an incident occurs. Most policies require prompt notification, and delays can sometimes complicate the claims process. Contact us immediately, even if you’re unsure whether you’ll file a claim.

What information do I need to file a claim?

You’ll need your policy number, date and time of the incident, detailed description of what happened, photos or videos of damage, contact information for any witnesses, police report number (if applicable), and receipts for any emergency expenses.

How long does the claims process take?

The timeline varies depending on the complexity of the claim. Simple claims may be resolved within a few days to a couple of weeks. More complex claims involving significant damage or liability disputes may take longer. We’ll keep you informed throughout the process.

Will filing a claim increase my premium?

Not all claims result in premium increases. Factors include the type of claim, your claims history, who was at fault, and your insurance carrier’s policies. We can discuss how a potential claim might affect your rates before you decide to file.

What if my claim is denied?

If your claim is denied, we’ll help you understand the reason and explore your options. You may be able to appeal the decision or provide additional documentation. We’ll advocate on your behalf to ensure fair treatment.

Can I choose my own repair shop or contractor?

In most cases, yes. While insurance companies may have preferred vendors, you typically have the right to choose your own repair shop or contractor. However, using preferred vendors may streamline the process and come with warranties.

What is a deductible and when do I pay it?

A deductible is the amount you pay out of pocket before your insurance coverage kicks in. You’ll pay your deductible directly to the repair shop or contractor. The insurance company pays the remaining covered amount.

Do I need to get multiple repair estimates?

Requirements vary by carrier and claim type. Some insurers require multiple estimates, while others send their own adjuster. We’ll guide you on what’s needed for your specific situation to ensure a smooth process.

Need Help With Your Claim?

Our experienced team is ready to guide you through the claims process. Don’t navigate this alone – we’re here to help.