Claims Advocacy for Individuals and Families
Part of Marsh Private Client Services’ (PCS) commitment to our clients is to act as your advocate, and never is that more important than when filing a claim. From your initial consultation with us, to the design and placement of your insurance, and throughout the claims process, our objective is serving your best interests.
Experiencing a property loss or liability claim can be overwhelming, and the thought of making an insurance claim can seem daunting. There is a need to act quickly, and there are often many things to consider so that your interests are protected. Marsh Private Client Services Claims Analysts provide claims advocacy and expertise to help you achieve the best possible settlement with your insurer.
We have a highly experienced and dedicated team of Claims Analysts at the service of our clients to:
- Proactively help with obtaining prompt and fair settlement from insurers.
- Provide clear and timely information regarding claims status.
- Advocate with insurers in complex cases.
If you should ever suffer a covered loss, a dedicated Marsh PCS Claims Analyst will be available to file a claim with your insurer on your behalf and also provide support and guidance throughout the entire claims settlement process.
Report a Claim
To report a claim with Marsh PCS, call 866-829-3036 or your Client Advisor. Our Claims Analysts are available Monday – Friday, from 9 a.m. - 8 p.m. EST, and will be in touch within 24 hours.
If you require Yacht Claims Service or assistance related to your vessel, please contact us at 954-765-5684. We have representatives available 24/7 ready to assist you.
For immediate assistance during non-business hours, please use the contact information below to reach your insurer directly:
800-945-7461 (Non-Catastrophic Losses)
800-778-1629 (Catastrophic Losses)
Assurant - American Bankers National Flood Program
AXA Art Insurance Corp
Fireman’s Fund Personal Insurance
Texas Windstorm Homeowners Association
When a Loss Occurs
If you have a property loss, the following tips will help ensure a smooth claims experience.
- When losses are severe, avoid premature guesses, overly optimistic evaluations, or quick settlements.
- Separate damaged from undamaged goods and prepare an inventory listing all items.
- Take pictures and, when possible, save a portion of the damaged property, such as flooring or carpeting, to document the loss.
- In the case of vandalism or theft, notify the police promptly.
- Keep detailed records of all expenses and retain receipts.
- Insist on detailed invoices for all loss expenses.
- Discuss salvage efforts with the adjuster before disposing of damaged property.
Depending on the situation, you may also have a casualty claim. If another party claims that you are liable for damages, be sure to consider these tips.
- Do not admit or comment on potential liability, nor offer a settlement.
- Obtain claimant’s name, address, email, and telephone number. If there are any witnesses, make sure to get their names, addresses, and telephone numbers.
- If emergency services respond, write down the name of the ambulance company and the hospital.
- Remember to inform your insurer promptly in the event that an additional witness surfaces after you have filed your initial report.
Working With a Contractor
Keep these considerations in mind when working with your contractor to repair property damage.
Choosing a Contractor
- Request multiple, detailed estimates from reputable companies specializing in the same services. This should include references and examples of their work.
- The contractor should be appropriately bonded. Surety bonds provide assurance that contractors will perform the work and pay specified subcontractors, laborers, and material suppliers.
- For contractors and repair service providers, please visit the Better Business Bureau (bbb.org) and learn more about their company’s reliability and their authority to do business in your state.
- Advise your Client Advisor in advance of any construction or renovation projects.
- Before you enter into a major construction contract, speak with your Client Advisor as the insurer may require certain loss mitigation controls be in place.
- Don’t sign documents that contain a waiver of subrogation clause or hold harmless agreement. This may affect how your insurance responds and cause you to take unnecessary responsibility for losses that may occur during the course of construction.
- Obtain a certificate of insurance to verify that the contractor or service provider has general liability insurance and workers’ compensation insurance. It is prudent to contact their insurance provider to confirm that coverage is in force and the aggregate limit has not been eroded by prior claims. Depending upon the size of the project, it is advisable to verify that the contractor also has excess liability coverage.
Should you have a disaster-related claim, the following services may be of assistance. Please be advised: remediation costs are subject to review and consideration by the insurance carrier and applicable policy terms and conditions.
Disaster Kleen-up International
Independent Mitigation & Cleaning/Conservation
Paul Davis Restoration (PDR)