Bad day? This is the part we're best at.

A claim is the product you actually bought. Call us first when you can — we'll make sure it's routed right, documented right, and followed through. After hours, use the emergency line or go straight to your carrier.

01

Make sure everyone's safe

People first. Police for accidents, mitigation for property — stop the water, cover the roof. Keep receipts for emergency protection expenses and ask your carrier how your policy applies.

02

Document before you touch

Photos and video of everything, from wide shots to close-ups. Names and numbers for anyone involved. Don't admit fault, don't negotiate at the scene.

03

Call us — we take it from there

We help route your report, explain next steps and follow up with the carrier. The carrier evaluates coverage and determines any claim payment under your policy.

Roscommon

(989) 275-5555

Monday – Friday 8:30 AM – 5:00 PM (phones open at 9:00 AM)

Grayling

(989) 348-4444

Monday – Friday 8:30 AM – 5:00 PM (phones open at 9:00 AM)

Coopersville

(616) 850-1111

Monday – Friday 8:30 AM – 5:00 PM (phones open at 9:00 AM)

After hours emergency

989-889-1009

For urgent help outside office hours, call this line or your carrier’s claim service.

Going direct

Your carrier's 24/7 claims line

Many carriers offer 24/7 claim reporting. If it's the middle of the night, report direct — then call us in the morning and we pick up the follow-through.

Carrier claims numbers & links →