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WORKING HOURS
EMERGENCY HOURS
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GRAYLING:           [email protected]
ROSCOMMON:   [email protected]
​COOPERSVILLE: [email protected]

WHAT TO DO IF YOU HAVE A CLAIM

HOME

  1. If this is an emergency, dial 911
  2. Otherwise, do what you can to limit additional damage
    1. Take photos of all damages before any repairs are made (repairs to stop further damage)
    2. Keep any receipts to turn in
  3. Call a licensed & insured contractor to get an estimate
  4. Call us to turn in the claim
  5. An adjuster will reach out to you within 24-48 hours of reporting the claim

AUTO

EMERGENCY:
  1. If there is an emergency, dial 911
  2. Take any action necessary to ensure all people are safe
  3. Seek medical attention
  4. Call us when able

​Non-Emergency
  1. ​If not an emergency, call your local police "non-emergency" line (click here to find that)
  2. Ask for them to come to your location to do a police report
  3. Photo document the accident
  4. Get an estimate at a trusted repair facility
  5. Call us to talk through your options

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WHAT TO EXPECT

When you need to file an insurance claim, we’re here to guide you every step of the way. From reporting to resolution, our goal is to make the process as smooth and stress-free as possible. Here’s what to expect:
​
  1. Reporting the Claim: Start by notifying us as soon as possible after an incident. Timely reporting is essential to ensure a quick and efficient resolution.
  2. Preventing Further Damage: It’s your responsibility to take reasonable steps to prevent additional damage. For example, if you experience a roof leak, cover the area to protect your property from further harm. Keep receipts for any temporary repairs; they may be reimbursable under your policy.
  3. Claim Review and Investigation: After you report your claim, an adjuster will review the details, inspect any damage, and work with you to assess the extent of the loss.
  4. Settlement and Resolution: Once the claim is reviewed, the adjuster will work with you to settle it promptly and fairly. This may include repair or replacement of damaged items or issuing payment for covered losses.
  5. Not Going as Expected?: Call us! Thats what we are here for. We follow the claim in the background to keep from having too many voices in your ear, but sometimes we don't know when you aren't sure about the process or aren't happy with the resolution; we are happy to go to bat for you to make sure the claim comes out as it should. 

At every stage, we’re here to answer your questions and keep you informed. Your partnership in reporting promptly and preventing further damage is vital to a successful claim resolution.

COMPANY CLAIM INFO: 

Auto-Owners Insurance
    •    Phone Number: 800-346-0346
    •    Website: (Auto-Owners Insurance)

Citizens Insurance (The Hanover Insurance Group)
    •    Phone Number: 800-922-8427
    •    Website: (Hanover)

Pioneer State Mutual Insurance Company
    •    Phone Number: 810-733-2300
    •    Website: (Psmic)

Hastings Mutual Insurance Company
    •    Phone Number: 800-442-8277
    •    Website: (Hastings Mutual)

Progressive Insurance (Michigan)
    •    Phone Number: 800-776-4737
    •    Website: (Progressive)

Foremost Insurance Company
    •    Phone Number: 800-237-2060
    •    Website: (Foremost)