Call us first. Even at 2 AM.
A claim is the moment the policy proves itself. It's also the moment your agent does or doesn't. During business hours — Monday through Friday, 8 AM to 5:30 PM Eastern — call us first. We'll triage the loss, notify the carrier on your behalf, coordinate with the adjuster, and stay in the file until settlement. That's what an independent agent is for.
Outside business hours, call your carrier's 24/7 emergency-claim line directly. The direct numbers for all twenty-two of our appointed carriers are below. Then call us the next business morning so we can step into the file and advocate for the coverage decision. We don't sleep on a 2 AM claim — we just don't always answer the phone at 2 AM.
Call us first.
(614) 555-7400Monday – Friday · 8:00 AM – 5:30 PM Eastern. We'll take the notice, file with the carrier, and stay in the claim through settlement.
Call nowCall your carrier 24/7.
Auto accident with injury, house fire, theft in progress, water-damage active loss — call the carrier's 24/7 line below for immediate adjuster dispatch.
Then call us next business morning so we can advocate.
See carrier numbersSubmit a claim notice.
Property damage under $5K, glass-only claims, towing reimbursement, and other non-emergency claims can be submitted online for next-business-day intake.
Submit online formDirect claim numbers for our 22 appointed carriers.
Call these numbers directly for after-hours emergencies. Then call us next business morning.
| Carrier | Lines | 24/7 Claim Phone |
|---|---|---|
| Cincinnati Insurance | Personal · Commercial | 1-877-242-2544 |
| Travelers | Personal · Commercial | 1-800-238-4288 |
| The Hartford | Personal · Commercial | 1-800-327-5726 |
| Erie Insurance | Personal · Commercial | 1-800-367-3589 |
| Auto-Owners | Personal · Commercial | 1-800-346-2886 |
| Westfield Insurance | Personal · Commercial | 1-800-348-0511 |
| Grange Insurance | Personal · Commercial | 1-800-422-7328 |
| Donegal Insurance | Personal · Commercial | 1-800-232-8856 |
| Liberty Mutual | Personal · Commercial | 1-800-225-5356 |
| Progressive | Personal · Commercial | 1-800-776-4737 |
| Safeco Insurance | Personal | 1-800-332-9222 |
| Nationwide | Personal · Commercial | 1-800-421-4246 |
| Acuity | Commercial | 1-800-242-0555 |
| Berkshire Hathaway GUARD | Commercial · WC | 1-888-759-9501 |
| Encompass | Personal | 1-800-266-2472 |
| MetLife Auto & Home | Personal | 1-800-854-4488 |
| Foremost Insurance | Specialty Personal | 1-800-527-3907 |
| Hagerty | Classic Auto | 1-800-283-4234 |
| Mutual of Omaha | Life · Disability | 1-800-775-1000 |
| Principal Financial | Disability · Annuity | 1-800-247-2191 |
| The Standard | Disability | 1-800-378-1088 |
| Auto-Owners Life | Life | 1-800-401-2660 |
Numbers verified for 2026; if you reach a re-routing message, call (614) 555-7400 next business morning and we'll relay.
What happens during a claim.
- Notice intake and triage. You call us; we take the loss details, ask the right diagnostic questions to identify which coverage will trigger, and confirm whether you should be talking to a body shop, a contractor, or a medical provider before the carrier sends an adjuster.
- Filing with the carrier on your behalf. We submit the formal notice of loss to the carrier the same business day. You get a claim number; we get a claim number; we stay copied on everything the carrier sends.
- Adjuster coordination and documentation review. The carrier assigns an adjuster within 24-48 hours. We coordinate the inspection, review the scope of damages, and push back if the documentation undervalues the loss.
- Coverage-dispute advocacy (when needed). If the carrier proposes a coverage denial or a partial-coverage decision we disagree with, we advocate on your behalf — escalating through the carrier's chain, citing policy language, and (rarely) bringing in coverage counsel.
- Settlement follow-through. When the settlement check arrives we verify the math, confirm the loss is actually closed, and update the policy file. If the loss affects your renewal we'll discuss the impact before the renewal arrives.
"A claim is the moment the policy proves itself. It's also the moment your agent does or doesn't. We do."