Claims Support
If you’ve had a loss, we’re here to help.
Claims are the reason insurance exists. If something has happened — a car accident, water damage, storm loss, injury, or a life or health event — we can help you understand your options and what to expect from the process.
In an emergency
If anyone is injured or there is an active fire, crime or other emergency, call 911 first. Once everyone is safe and the situation is under control, gather photos and basic details and then reach out to us or your carrier to discuss next steps.
Personal insurance claims
For auto, home, renters, condo, landlord and umbrella claims, your carrier ultimately handles the claim — but we can help you decide whether to file, what information to gather and how to avoid surprises.
Auto accidents
- Check for injuries and call 911 if needed.
- Move vehicles to a safe location if possible.
- Exchange information with other drivers and take photos of damage, the scene and license plates.
- Avoid admitting fault at the scene — just stick to the facts.
Home, condo & renters claims
- If there’s ongoing damage (like a burst pipe), stop the source of the damage as soon as it’s safe to do so.
- Take photos and videos of the damage before you clean up.
- Keep receipts for any temporary repairs or emergency services.
- Make a simple list of damaged items and approximate values.
Landlord / rental property
- Make sure your tenants are safe and any immediate hazards are addressed.
- Document damage to the building and any affected units.
- Gather your lease agreements and tenant contact details.
Life & health claims
Life and health-related claims can feel overwhelming. If you’re dealing with a serious diagnosis, disability, or a death in the family, we can help you understand what the policy is designed to do and what paperwork the carrier will require.
Life insurance claims
- Locate the policy or any statements if you have them.
- Gather basic information: insured’s name, date of birth, date of passing and cause of death.
- Obtain multiple copies of the death certificate.
- Reach out so we can help you notify the carrier and start the claim process.
Disability income claims
- Ask your doctor to document your diagnosis and work restrictions clearly.
- Gather pay stubs or income records for the period before your disability.
- Note when you last worked and when your condition began.
Health & Medicare questions
- Keep all explanation of benefits (EOBs) and provider bills.
- Write down who you spoke with at the carrier and when.
- If a claim is denied or coded strangely, we can help you review the situation.
What to expect when you reach out
When you contact us about a claim, we'll ask a few simple questions about what happened, review your coverage with you and outline the next steps with your carrier. Our goal is to help you feel less rushed and more prepared before you officially file.
We regularly help clients in Ramsey, Mahwah, Allendale, Saddle River, Ridgewood, Wyckoff and across Bergen County and Northern New Jersey. Even if you're not sure whether something will be covered, it's usually worth a quick conversation before you decide what to do.