File a Claim
Accidents and losses are stressful. You don't have to figure this out alone — call us first and we'll guide you through every step.
Before You Do Anything Else — Call Us
When something happens, your first instinct might be to call the insurance company directly. But calling us first can save you time, confusion, and costly mistakes.
We explain what's covered and what to expect
We help you gather the right documentation
We walk you through the reporting process step by step
We follow up to make sure your claim is progressing
We answer questions throughout — you're not alone in this
Call Us First
After-Hours Claims
If you have an emergency outside business hours, you can file a claim directly through your insurance company's 24/7 claims line. The number is on your policy documents or insurance ID card. Then call us the next business day so we can follow up.
Immediate Steps After an Incident
Make sure everyone is safe
Your safety comes first. If anyone is injured, call 911 immediately.
Call the police if required
For auto accidents, theft, vandalism, or break-ins — always file a police report. You'll need the report number for your claim.
Document everything
Take photos and videos of all damage before moving anything or making repairs. The more documentation, the smoother your claim.
Prevent further damage
Take reasonable steps to protect your property from additional damage (tarp a roof, board a window). Keep receipts for any emergency repairs.
Contact us
Call Coffey Agencies so we can help you report the claim correctly and explain what happens next.
Filing an Auto Insurance Claim
When to file:
- Car accident (at-fault or not-at-fault)
- Hit and run
- Theft or vandalism
- Weather damage (hail, flood, falling tree)
- Collision with animal
- Windshield damage
Information you'll need:
- Date, time, and location of the incident
- Police report number (if applicable)
- Other driver's name, phone, and insurance information
- Photos of damage to all vehicles
- Photos of the scene (skid marks, debris, road conditions)
- Contact information for any witnesses
- Description of what happened
What happens next:
After you report the claim, an adjuster will contact you — usually within 24-48 hours. They'll review your documentation, assess the damage, and explain your repair options. We stay involved to make sure things move forward.
Filing a Home Insurance Claim
When to file:
- Storm damage (wind, hail, tornado)
- Fire or smoke damage
- Water damage (burst pipes, roof leaks)
- Theft or vandalism
- Fallen trees or branches
Information you'll need:
- Date and time of the incident
- Cause of damage
- Police or fire department report (if applicable)
- Photos and videos of all damage
- List of damaged items and their approximate value
- Receipts for any emergency repairs
What happens next:
An adjuster will schedule an inspection of your property to assess the damage. They'll document everything and provide an estimate for repairs. Don't make permanent repairs until the adjuster has completed their assessment (temporary repairs to prevent further damage are okay and often required).
If your home is uninhabitable, your policy may include Additional Living Expense (ALE) coverage to help with temporary housing costs. We'll help you understand what's available.
Filing a Renters or Condo Insurance Claim
When to file:
- Theft of personal belongings
- Fire or smoke damage to your belongings
- Water damage to personal property
- Vandalism
- Liability incidents (someone injured in your unit)
Information you'll need:
- Date and time of the incident
- Police report (for theft or vandalism)
- Photos of damaged or stolen items
- List of affected belongings with approximate values
- Receipts or proof of purchase if available
Special Note for Condo Owners
Your HO-6 policy covers your unit's interior and personal property — not the building's exterior or common areas. If damage involves shared spaces, your HOA's master policy may also be involved. We can help you understand what's covered under each policy.
Filing a Life Insurance Claim
We understand this is a difficult time. We're here to help your family navigate the process with care.
What beneficiaries need:
- Certified copy of the death certificate
- Policy number
- Deceased's full name and date of birth
- Beneficiary identification
How to start:
Call our office and we'll help you locate the policy details and guide you through the claim submission. Most life insurance claims are processed within 30-60 days once documentation is complete.
Claims Questions We Hear Every Day
We're With You Through the Entire Process
Filing a claim can feel overwhelming, but you don't have to do it alone. Call us first — we'll make sure you understand your options and help you every step of the way.
Or call us: (256) 927-6287 | (706) 784-6511
Coverage varies by policy. This page provides general guidance only. Your insurance company makes all claim decisions. Always report incidents promptly and refer to your policy documents for specific terms and conditions.