Claim questions Auto Claim Questions and Answers Check out the following auto insurance claim questions and answers. How will I know if my policy will cover my claim? Your claim representative will review your policy with you and help you understand the coverage available for damages to your vehicle, other vehicles and other property if applicable. Does my policy have a deductible? Yes, your policy has a deductible. Your deductible is the amount you pay out-of-pocket toward the resolution of your vehicle damage claim. The amount can vary depending on your policy and type of loss. How will I be paid? We will make a payment to you and include your shop or lienholder for the repair or total loss of your vehicle if there is coverage for your claim. The payment will exclude any applicable deductible. Get your auto claim payment through our secure electronic claims payment service. You can receive your e-payment in as little as a few hours via one of our direct deposit options: Direct deposit to checking or savings account Direct deposit to debit card PayPal deposit Instant prepaid virtual card Do you recommend a repair shop? You have the right to choose your repair shop. We do have a network of preferred shops that guarantee their work if you are interested. Can I rent a vehicle while my vehicle is not drivable and/or being repaired? If you have selected rental car coverage, yes you can. We will review your policy and advise you how the coverage applies to your claim. Contact your claim representative for assistance with additional auto insurance claim questions and answers. Homeowners Claims Questions and Answers Check out the following home insurance claim questions and answers. How will I know if my policy will cover my claim? Your claim representative will review your policy with you and help you understand the coverage available for damages to your home and personal belongings. Does my policy have a deductible? Yes, your policy has a deductible. The amount can vary depending on your policy and type of loss. Your deductible is the amount you pay out-of-pocket toward repair or replacement costs. In most cases, you pay your contractor directly. How will I be paid? Our first payment will pay the actual cash value of the property that was damaged if there is coverage for your claim. The payment will exclude any applicable deductible. The actual cash value is the cost of replacing or repairing an item today after subtracting the depreciation. If your policy has replacement cost coverage, you may receive additional payment after your repairs are completed. Get your property claim payment through our secure electronic claims payment service. You can receive your e-payment in as little as a few hours via one of our direct deposit options: Direct deposit to checking or savings account Direct deposit to debit card PayPal deposit Instant prepaid virtual card What is recoverable depreciation? Depreciation is how much your home or personal property has decreased in value since the original purchase date. Age, condition and whether a newer model has been released impact the depreciation and current value. For example, if you brought a new water heater for $1,000 five years ago and used models currently sell for $400, then your water heater has depreciated by $600. How do I request recoverable depreciation? Once the repairs are completed or the items are replaced, you’ll need to submit receipts or invoices as proof of purchase or repairs. We will review them and send you a payment for the amount of depreciation reimbursable based on our estimate of repairs and/or replacement costs. What if I have a mortgage on my home? If you experience damage to your home, please notify your mortgage company as soon as possible. Both you and your lender have a legal interest in your property if you have a mortgage loan, and money at risk if your home is not repaired. We typically put both your name and the name of your lender on the payment to protect the financial interests of both parties. Both you and your mortgage lender have to approve payment. You will be responsible for contacting your mortgage company to get the check endorsed. Can you recommend a contractor? Yes, Integrity is partnered with the Crawford Contractor Connection, a national leader of home renovation and repair with more than 6,000 top-quality contractors in its network. Please advise your claim representative during your initial contact if you are interested. What if I can’t live in my home until the repairs are completed? If your home is not livable during the repair process, your claim representative can help you find temporary housing. They will explain how we might cover additional living expenses. What happens if I begin the repairs and then find additional damage? If you find additional damage, you or your contractor should contact your claim representative immediately and hold off on making any new repairs until you speak to your claim representative. Depending on the nature of the damage, we may need to reinspect your property before repairs can begin again. We’ll update the repair estimate if we find that the additional damage is related to your claim. Contact your claim representative for assistance with additional home insurance claim questions and answers. Workers Compensation Questions and Answers Check out the following insurance claim questions and answers on workers compensation. What do I do if I have a workers compensation claim? The first concern is the well-being of your employee. If treatment is required send the employee to one of the providers listed on your physician panel if possible. Report injuries as soon as they occur by phone at (800) 445-3030 or email. Failure to report claims promptly could result in fines and penalties. What information do I need to before I report the incident? Your policy number and company name Details on how the accident happened Contact information for the injured employee Medical treatment details Optional: Witnesses, other parties involved and/or Police Report What detailed information should I have before I speak to my claim representative? The circumstances of the incident Any concerns you may have about the claim The employee’s prior claim history Any pre-existing medical conditions that may impact the claim Witness information Wage history Your ability to accommodate work restrictions Do I need to file a police report? If you file a police report, we may request a copy from you or the responding agency to help with our claim investigation. If you do not file a police report, we may request that you file one depending on the details of your loss. What should I do if something changes during an existing claim? Please immediately contact your claim representative if there is a change in the injured worker’s employment status or your ability to accommodate work restrictions. Send any information you receive about the claim to your claim representative. Contact your claim representative for assistance with additional insurance claim questions and answers about workers compensation.