Personal claims advocacy

Part of Marsh McLennan Agency Private Client Services commitment to our clients is to act as your advocate, and never is that more important than when filing a claim.

Claims advocacy for individuals and families

From your initial consultation with us, to the design and placement of your insurance, and throughout the claims process, our objective is serving your best interests.

Experiencing a property loss or liability claim can be overwhelming, and the thought of making an insurance claim can seem daunting. There is a need to act quickly, and there are often many things to consider so that your interests are protected. Marsh McLennan Agency Private Client Services Claims Analysts provide claims advocacy and expertise to help you achieve the best possible settlement with your insurer.

We have a highly experienced and dedicated team of Claims Analysts at the service of our clients to:

• Proactively help with obtaining prompt and fair settlement from insurers.
• Provide clear and timely information regarding claims status.
• Advocate with insurers in complex cases.

If you should ever suffer a covered loss, a dedicated Marsh McLennan Agency Private Client Services Claims Analyst will be available to file a claim with your insurer on your behalf and also provide support and guidance throughout the entire claims settlement process.

How to file a claim

To report a personal lines (home, auto, etc.) claim with MMA PCS, call 866-829-3036 or your Client Advisor. Our Claims Analysts are available Monday – Friday, from 9 a.m. - 8 p.m. EST, and will be in touch within 24 hours. You may also complete the form below to get started.

If you require Yacht Claims Service or assistance related to your vessel, please contact us at 954-765-5684. We have representatives available 24/7 ready to assist you. You may also complete the yacht form to get started.

For immediate assistance during non-business hours, please use the contact information below to reach your insurer directly:

AIG / Private Client Select
888-760-9195

Assurant (Flood)
800-423-4403

AXA Art Insurance Corp
212-415-8433

Berkely One
855-663-8551

Citizens (Florida Wind)
866-411-2742

Hagerty
800-922-4050, select 4

National General (Flood)
800-325-1088

Plymouth Rock
888-324-1620

Texas Windstorm Insurance Association
800-788-8247

Natural Disaster Preparedness

Review the following preparedness documents to be one step ahead of weather-related events:

When a Loss Occurs

Property Losses

If you have a property loss, the following tips will help ensure a smooth claims experience.

• When losses are severe, avoid premature guesses, overly optimistic evaluations, or quick settlements.
• Separate damaged from undamaged goods and prepare an inventory listing all items.
• Take pictures and, when possible, save a portion of the damaged property, such as flooring or carpeting, to document the loss.
• In the case of vandalism or theft, notify the police promptly.
• Keep detailed records of all expenses and retain receipts.
• Insist on detailed invoices for all loss expenses.
• Discuss salvage efforts with the adjuster before disposing of damaged property.

Liability Claims

Depending on the situation, you may also have a casualty claim. If another party claims that you are liable for damages, be sure to consider these tips.

• Do not admit or comment on potential liability, nor offer a settlement.
  
• Obtain claimant’s name, address, email, and telephone number. If there are any witnesses, make sure to get their names, addresses, and telephone numbers.
  
• If emergency services respond, write down the name of the ambulance company and the hospital.
  
• Remember to inform your insurer promptly in the event that an additional witness surfaces after you have filed your initial report.

Working with a Contractor

Keep these considerations in mind when working with your contractor to repair property damage.

Choosing a Contractor

• Request multiple, detailed estimates from reputable companies specializing in the same services. This should include references and examples of their work.
• The contractor should be appropriately bonded. Surety bonds provide assurance that contractors will perform the work and pay specified subcontractors, laborers, and material suppliers.
• For contractors and repair service providers, please visit the Better Business Bureau (bbb.org) and learn more about their company’s reliability and their authority to do business in your state.

Insurance Considerations

• Advise your Client Advisor in advance of any construction or renovation projects.
• Before you enter into a major construction contract, speak with your Client Advisor as the insurer may require certain loss mitigation controls be in place.
• Don’t sign documents that contain a waiver of subrogation clause or hold harmless agreement. This may affect how your insurance responds and cause you to take unnecessary responsibility for losses that may occur during the course of construction.
• Obtain a certificate of insurance to verify that the contractor or service provider has general liability insurance and workers’ compensation insurance. It is prudent to contact their insurance provider to confirm that coverage is in force and the aggregate limit has not been eroded by prior claims. Depending upon the size of the project, it is advisable to verify that the contractor also has excess liability coverage.

Remediation and Restoration Services

Should you have damages that may result in a disaster-related claim, the following services may be of assistance. Please be advised: remediation costs are subject to review and consideration by the insurance carrier.

Some of our insurance carriers may have a “preferred relationship” with one or more of the mitigation service providers listed above. This preferred relationship may provide some additional benefits to the client should they choose to select one of those providers. If interested in what additional benefits may be available, we should recommend the client contact their insurance carrier to find out more. Reminder to colleagues we must give 3 names to a client and disclose these are not MMA vetted.

Report a personal lines claim