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Claims

Most insurance contracts state that the policyholder must notify the insurance carrier as soon as they are made aware of a loss. Timely notification will allow the insurance company to begin a thorough investigation, keep costs down and expedite any claim settlements.

Auto Insurance Claims

No matter how good of a driver you may be, other drivers on the road may not be and accidents do happen. Here are some important things to do if you are ever involved in an automobile accident.

  • Notify the police and EMS if necessary.
  • Keep a disposable camera in your vehicle at all times. Take pictures of your vehicle, the claimant’s vehicle and the accident scene.
  • Record the names, driver license numbers, addresses and telephone numbers of all parties involved.
  • Record the year, make, model, plate number and insurance information of all vehicles involved.
  • Write down a description of how the accident occurred.
  • Contact your agent and report the loss as soon as possible.

Homeowners Claims

Here are some important things to know about what to do if you sustain a loss in your home.

  • Look for potential safety risks and take the proper measures to correct them.
  • Take reasonable measures to prevent further damage.
  • If the loss is caused by theft, notify the police.
  • Keep an accurate record of your repair expenditures.
  • Take pictures of damaged property.
  • Do not discard any items you plan to claim as damaged.
  • Contact your agent and report the loss as soon as possible.

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You may have substantial liability limits on your general liability, auto liability and employers liability policies. However, it is not uncommon for a jury to award damages that exceed those limits. A commercial umbrella policy will provide excess coverage when your general, auto and employers liability limits have been exhausted.


Grillo & Associates has a reputation of providing excellent service. Contact our office and let our team of specialists assist you in determining what policy will be best suited for your business.