A deductible is the portion of the claim that you are financially responsible for. In other words, it is your financial contribution toward repairs required as a result of a covered loss.

The mortgage company is listed on the building payment because they have a financial interest in your home. Your insurance policy is a contract, that requires us to include your mortgage company’s name on any settlement check involving the building or other structure. Contact your mortgage company to determine what their requirements are for securing their endorsement.

Occasionally, another person may be responsible for the damage to your property. If so, we may seek reimbursement from that other person or that person’s insurance carrier. Our pursuit of reimbursement is referred to as “subrogation.” We may need your cooperation with this effort. If there is a recovery, you may receive reimbursement for some or all of your deductible.

Feel free to call the claim department at (800)498-0954 Our regular business hours are 8AM to 4PM, Monday through Friday.