What to do when you have a LOSS?
No one wants to suffer a loss but when you do, we will endeavor to work with you step by step to get you back to where you were before the loss. You can help us with your loss by:
What we will endeavor to do for you when you have a loss:
- Immediately report your claim to your agent or Centre County Mutual here: Report a Claim.
- Call the police if theft, vandalism or other crime is involved.
- If someone is hurt or injured get medical help.
- Prevent further damage to your property by boarding up windows and other exposed areas.
- Note: You may be prevented from entering the damaged building by law enforcement officials until a safety inspection is completed.
- If possible photograph the loss.
- If the loss involves a credit card notify the credit card company immediately.
- When reporting the claim give the named insured, policy number (if available), the time, place and any details of the loss.
- DO NOT alter or change anything at the loss or accident scene until you have spoken to your insurance representative.
- Keep accurate records of any expenditure you make related to the loss.
- Your assigned claims examiner will explain what you have to do to file paperwork for your claim.
- Acknowledge your loss as soon as possible.
- Provide you with an assigned claim number that you can use on correspondence and when contacting us about your loss.
- Investigate your loss, collect facts and information, and settle your claim as quickly as is reasonably possible. Some claims will take longer to settle than others.
- Be available to answer your questions and inquires.
- We will try and put you back the way you were, before the loss occurred.
What is Insurance Fraud?
Any act such as intentionally lying or misleading an insurance company or their agent about a claim or providing false estimates for damages and repairs is Insurance Fraud.
Also, presenting “doctored” or made-up receipts, causing intentional damage, faking injury or exaggerating a loss to cover the cost of a deductible are all Insurance Fraud.
Fraud cost in the United States exceeds $160 billion per year.
If you suspect Insurance Fraud has occurred you can report it to www.helpstopfraud.org/Home/tabid/38/Default.aspx.
Or call: 1-888-565-4972
Pennsylvania Fraud Statement:
ANY PERSON WHO KNOWNGLY AND WITH INTENT TO DEFRAUD ANY INSURANCE COMPANY OR OTHER PERSON FILES AN APPLICATION FOR INSURANCE OR STATEMENT OF CLAIM CONTAINING ANY MATERIALLY FALSE INFORMATION OR CONCEALS FOR THE PURPOSE OF MISLEADING, INFORMATION CONCERNING ANY FACT MATERIAL THERETO COMMITS A FRAUDULENT INSURANCE ACT, WHICH IS A CRIME AND SUBJECTS SUCH PERSON TO CRIMINAL AND CIVIL PENALTIES.