Claims

You Got Problems?
We Handle Problems

Claims

You Got Problems?
We Handle Problems

1. CALL YOUR AGENT

2. BEFORE FILING A CLAIM PLEASE REFER TO RULE #1

3. IF YOU DECIDE TO SKIP RULE #1 AND RULE #2 YOU HAVE TOO MUCH MONEY AND SHOULD CONSIDER DONATING TO THE WFA COLLEGE FUND/TIP JAR 😉

Best Practices for Filing a Claim

Best Practices for Filing an Insurance Claim

Home Auto Business Workers Compensation

 

Filing an insurance claim can feel overwhelming, especially in stressful situations.
Following these best practices can help ensure a smoother, more efficient claims
process — and may even save you time and money in the long run.

At WFA Insurance, we want to provide you with as much information as possible to
help you make the best decision when a loss occurs.

Claims: Auto

At the Scene Of The Accident:

  • Stay safe! Check on the status of all involved and do not move anyone.
  • Turn on Hazards. If applicable identify any potential witnesses to the accident. Call 911.
  • Only talk with the police. Do not talk to anyone else about the accident.
  • Do not admit fault. If safe to do so, do not move vehicle but get yourself and passengers to a safe place.
  • Always request a copy of the police report and the other parties insurance information.

Next Steps:
Contact your
insurance
agent.

Things To Consider: There are many factors to consider before filing a claim

  • Assess the Damage: If there is minor damage it may cost less to
    repair it out of pocket than to file a claim. If there is significant
    damage or bodily injury, filing a claim might be necessary. It is
    always best to discuss the options with your agent.
  • Check your Deductible: If the cost of reports is close to or less
    than your deductible, filling a claim may not be worthwhile.
  • Understand a Claim’s Impact on Premiums: Claims, especially at
    -fault ones, can cause your premiums to increase – sometimes significantly
    – for several years.
  • Multiple claims within a short time frame can lead to non
    -renewal or policy cancellation.
  • Document Everything as soon after the accident as possible.
  • Determine Fault: If you are at fault, your insurer may raise your
    rates. If the other party is at fault, their insurance should cover
    your damages. Contact your agent to discuss.
  • Consider Your Claims History: Frequent claims
    – even if small –can label you as high -risk.
  • Legal or Lease Obligations: If you are leasing or financing your
    vehicle, your agreement may require you to file a claim and have
    the car repaired.

Claims: Home

When you suspect damage to your home that could require an insurance claim

  • First make sure that everyone is safe, i.e. do not walk in standing water inside your home, risk of electrocution.
  • Identify eliminate the source of the damage i.e. water source, rodent, etc…
  • Contact your WFA Insurance Expert to discuss the following:
      • What is the extent of the damage
      • If professional help is needed
      • Review of your coverages & deductibles
      • Claims History
      • Effect on your premium if a claim is filed
      • Out of Pocket vs. Filling a Claim, is it worth filing a claim?
  • Water Damage: Let’s face it, most homeowner’s first reaction to water inside the home is “I need to file an insurance claim”. For Water Damage or a water leak, the answer is not always filing a claim. There are lots of options. Keep in mind that a non-weather-related insurance claim can be especially punitive on your future insurance rates. Consult with your WFA Insurance Agent before filing a claim. They will help you to assess the damage and give you great advice and options to consider.

Claims: Business

Ensure

Ensure Safety first

  • Evacuate staff / customers if needed
  • Notify emergency services (e.g. police, fire department) depending on the incident.
  • Notify your WFA Insurance Agent

Document

Document Everything

  • Take Photos/Video of the damage
  • If a Liability Claim (e.g., injury) document

Preserve

Preserve evidence

  • Don’t discard damaged items until the adjuster inspects them, unless safety requires it.
  • Save receipts and invoices related to damaged items and emergency expenses.
  • File a Police Report (If Applicable): For theft, vandalism, or burglary, obtain a copy for the insurer.

Claim: Workers Compensation

Ensure that employee’s report Injuries immediately to their supervisor

Complete Employer’s First Report of
Injury

Submit this to your insurance carrier within the required time frame (e.g., 7 days in Arizona)
Provide a copy to the employee and keep a copy for your records.

Direct Employee to Medical Care

Use your designated medical provider if your state allows
Ensure the employee receives timely and appropriate treatment

Maintain Documentation

Save:
• Witness Statements
• Incident Reports
Notify your carrier of updates (e.g., return to work).

When You’re Ready to File

1. CONTACT WFA INSURANCE AGENT OR COMPANY PROMPTLY
FILE THE CLAIM AS SOON AS POSSIBLE TO AVOID DELAYS OR MISSED DEADLINES. YOUR AGENT CAN GUIDE YOU THROUGH THE PROCESS.

2. PROVIDE COMPLETE AND ACCURATE INFORMATION
INCLUDE ALL NECESSARY DOCUMENTATION, PHOTOS, RECEIPTS, OR WITNESS STATEMENTS. INACCURATE OR INCOMPLETE INFO CAN DELAY PROCESSING.

3. KEEP A RECORD OF COMMUNICATION
NOTE WHO YOU SPEAK WITH, WHAT WAS SAID, AND ANY CLAIM REFERENCE NUMBERS. THIS CAN BE HELPFUL IF QUESTIONS ARISE LATER.

4. STAY IN TOUCH DURING THE PROCESS
CHECK IN PERIODICALLY IF YOU HAVEN’T HEARD BACK. BE RESPONSIVE TO ANY REQUESTS FOR ADDITIONAL INFORMATION.

Things to Consider Before you File a Claim

1. Ensure Safety First
In the case of an emergency, such as an auto accident or property damage, make sure everyone is safe. Call emergency services (911), if needed.

2. Assess the Damage or Loss
Take time to evaluate the situation. For minor damages, it may not be worth filing a claim, especially if the repair cost is close to your deductible.

3. Review Your Policy
Understand what is and isn’t covered under your policy. Check your deductible and coverage limits to avoid surprises.

4. Document Everything
Take clear, detailed photos or videos of the damage. Note the date, time, and circumstances. If other parties are involved (like in a car accident), exchange contact and insurance information.

5. Get Repair Estimates (Optional but Helpful)
Before filing, consider getting a quote or estimate for repairs to compare your deductible and coverage. This can help you decide whether to make a claim.

6. Consider the Impact on Your Premium
Filing certain types of claims can lead to higher premiums in the future. If the damage is minor, you might choose to pay out-of-pocket instead.

What to Watch Out For

Filing Too Many Small Claims: Multiple claims in a short time can raise red flags with insurers and lead to premium increases or non-renewals.

Claim Fraud Risks: Always provide truthful, accurate information. Fraudulent claims can lead to denial, cancellation, or legal consequences.

Unlicensed Contractors or Scams: After disasters, unlicensed or predatory contractors may offer help. Always verify credentials before signing anything.

Policy Gaps:Certain events (like flooding or earthquakes) may not be covered under a standard policy. Ask your agent if additional coverage is needed.

Have Questions? We’re Here to Help

  • If you’re unsure whether to file a claim or how to get started, contact our team (480)464-2288. We’ll walk you through your options and help you make the best decision for your situation.