Car accident
Safety first, then police, then photos of all vehicles and the scene. Exchange insurance details. Do not accept fault at the scene.
Claims center
A claim is the only part that matters
Everything before this is paperwork. When something happens, you get a 24/7 intake line and a named advocate in our Kansas City office who owns the file until it closes.
24/7 claims lineNamed advocateWe meet the adjuster with you
What to do in the first hour
Four situations we handle constantly in this metro, and the first moves that protect your claim.
Storm or hail damage
Photograph the roof line from the ground, the gutters and any dented vents or screens. Keep receipts for emergency tarping.
Water damage
Stop the source if you safely can, then photograph before removing anything. Save damaged items until the adjuster has seen them.
Theft or break-in
File a police report first; nearly every carrier requires the report number. Then list what is missing with model numbers if you have them.
How a claim runs
Four stages, and where we step in
Carriers own the claim decision. We own making sure nothing about your file gets lost in it.
- 1
Call the claims line
Any hour, any day. After hours you reach the carrier's intake team, and a Clearpath advocate picks up the file the next business morning.
- 2
Document everything
Photos of every angle, the police report number if there is one, and a written list of what was damaged before anything is moved.
- 3
Meet the adjuster
We tell you what to expect, what to point out and what not to sign. If the scope looks thin, we say so before you accept it.
- 4
Get paid and repaired
We track the estimate, the supplements and the final payment, and we chase the file if it goes quiet.
Before you call
Have these eight things ready
You do not need all of them to start a claim. The more you have, the faster the first payment moves.
- Your policy number, or just your name and address if you cannot find it
- Date, time and location of the loss
- Photos from multiple angles, taken before cleanup
- Police or fire report number where one exists
- Names and insurance details of anyone else involved
- A written list of damaged property with rough purchase dates
- Receipts for emergency repairs, tarping or a hotel stay
- A contact number where you can actually be reached during the day
Under 4 hrsSample average to first contact on claims filed with our office
Claims
Claim questions we hear most
If your question is not here, call the office. You will reach a licensed agent in Kansas City, not a queue.
Call either. Our 24/7 claims line routes to the carrier intake team after hours, and a Clearpath advocate picks up your file the next business morning. Calling us first means someone local is tracking the claim alongside you.
Often not. A claim close to or below your deductible rarely pays anything meaningful and can affect your rate and eligibility for three to five years. Call us before you file and we will walk through the math honestly.
After a widespread storm, adjuster scheduling is the bottleneck. A typical roof claim in this market runs three to six weeks from inspection to final payment, longer when contractors are booked out. We chase the file so you do not have to.
Make sure everyone is safe, call the police, photograph all vehicles and the scene, and exchange insurance information. Do not accept fault at the scene. Then call our claims line, day or night.
It depends on fault and claim type. Comprehensive claims such as hail and theft are usually weighted more gently than at-fault collisions. If your renewal does rise, that is the moment we reshop your policy across our other carriers.
Something happened? Call us
The claims line runs 24 hours a day, 365 days a year. During office hours you will reach the same people who wrote your policy.
Sample response times shown are illustrations for this demo, not a service guarantee.