Frequently Asked Questions:

 

How do I report a claim?
Contact your local Alfa Alliance agent (contact information at Find An Agent) or report your claim directly to us at 800-394-8642.  You may also use the internet at Claims Information for non-emergency claims.  Internet reports should not be used for claims involving complicated issues such as bodily injury, damage sustained by others, business losses, claims in which you are forced to leave your home, or the total loss of your vehicle. These complex losses require immediate attention to resolve promptly.  Our after-hours report line at 800-394-8642, Extension 425, is available 24 hours a day.

What information do I need to report my claim?
Be prepared to give the name of the insured, policy number, date of the loss, what caused the loss, your contact information and the severity of your loss.

I don't have all the information needed to report my claim. What should I do?
Contact your Alfa Alliance agent or the company anyway. By immediately contacting your agent or us, our representatives can help you start the claims process, or help you better understand or obtain the required information.

How does the claim process work?
Once the claim is taken by the agent, it is assigned to an Alfa Alliance claim handler. The adjuster will contact you to assess your damages and write an estimate or ask you to provide an estimate. If the adjuster is able to write the estimate upon inspection of your damage, you may receive a check right then for your covered loss. If not, Alfa Alliance will mail you a check. The check may be made out to you, you and your contractor/repair facility, or to you and your mortgage company/lien holder.

What can I do to make the claims process easier?
Gather as much information as possible, report your loss as soon as possible, make temporary repairs, and contact repair agencies and ask them for repair estimates.

How long will it take to settle my claim?
The length of time it takes to settle a claim varies according to the severity of the loss and the number of losses Alfa Alliance receives. Every effort will be made to inspect your loss as soon as possible and to resolve the claim within a reasonable time frame.

If property was stolen from my home, what do I need to do?
File a police report immediately for the theft. For insurance purposes, it is beneficial to provide any photographs you may have of the item(s) and provide the proof of purchase or receipt, serial number, ID number or model number of the item(s). (Use the Home Personal Property Inventory form now)

What is a deductible?
A deductible is the amount of the loss which you are responsible for paying before benefits from Alfa Alliance Insurance are payable.

I can't live in my home. Will Alfa Alliance Insurance pay for temporary living arrangements?
Yes, if your policy provides Loss of Use/ Additional Living Expense coverage. Also, the reason you can’t live in your home must be covered under your policy and your home must be uninhabitable. Check with your Alfa Alliance agent to make sure your policy provides this coverage and to better understand the provisions and limits of this coverage.

If I have to relocate, what records should I keep?
You should keep receipts on all your expenditures related to your loss of use such as hotel and restaurant receipts.

Should I make temporary repairs to my home?
Yes, you are to make any temporary repairs that will prevent additional damage to your home.  Maintain receipts on repairs such as covering broken windows and holes in the roof.

Is flood damage covered under my policy?
Flood damage is not covered under your dwelling/homeowner's policy. However, it may be covered under your automobile policy if you have comprehensive/"other than collision" coverage on your automobile. Flood insurance for homes is administered through the National Flood Insurance Program. Ask your Alfa Alliance agent for more information.

How will I receive the money?
If the adjuster is able to write the estimate, you may receive a check immediately from the adjuster. If not, Alfa Alliance Insurance will mail you a check. The check may be made out to you, you and your contractor/repair facility, or to you and your mortgage company/lien holder.

Whom can I call if I have a question about my claim?
If you have any questions regarding your claim or any repairs, please contact your Alfa Alliance agent or the adjuster handling your claim.  If an immediate response is required, please contact our Richmond office at 804-346-1900 or 800-394-8642

What do I do before an approaching storm?
Being prepared for a storm may help limit the damage you receive.

What do I do after the storm?
Recovering from a storm can be frustrating, but certain things can be done to make it more tolerable and to help us help you.