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Personal Lines Claims Support

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Guiding You Through the Claim Process

When a claim occurs, Brown & Brown’s stands with you. We are available to guide you through the process with clear communication and responsive support, to help ensure a fair, timely outcome.

Our teams have specialized experience across a wide range of personal and high-value assets, including fine art, collections, boats and yachts, aircraft, equine interests, and collector vehicles. This focused knowledge helps us protect what matters most to you, even on the most complex claims. Your peace of mind is as important as the assets we help you protect.

Brown & Brown Claims Support

  • Clear Communication: We can help you anticipate potential delays and keep your resolution on track. If coverage questions or denials arise, we can step in to help protect your best interests and work toward the fairest possible settlement under your policy.

  • Catastrophic Event and Severe Weather Support: When storms or natural disasters are imminent, we can provide preparation resources and guidance to help safeguard your property.

  • Trusted Remediation and Recovery Support: When remediation is needed, we can help provide access to our national and local network of remediation and recovery companies. These companies can offer timely assistance with water damage mitigation, clean-up, restoration, and related services to help minimize disruption.

Helping You Move Forward With Confidence

A well-managed claim can make all the difference. At Brown & Brown, we combine experience, clarity, and commitment to help ensure your claim is handled efficiently and fairly, helping you recover with confidence and peace of mind.

Key Steps to Follow When You Sustain a Loss and Need to File a Claim

  • Notify the authorities: Report your situation to the relevant authorities in the event of theft, vandalism, collision, or bodily injury.
  • Report the claim to the carrier: The most efficient way to start the claim process is to report your claim directly to your insurance carrier. Use the claim reporting information listed on your policy documents
  • Photograph and document: Take pictures of the damage and relevant surroundings. Make notes of what happened and document the details. Inspect personal property for damaged or missing items
  • Protect and make temporary repairs: Take all necessary steps to protect your property from further loss and make only necessary temporary repairs. Rescue your most valuable items, if possible, but be careful not to put yourself or anyone at safety risk.
  • Inspect before permanent repairs: Do not begin permanent repair work until the insurance carrier inspects and/or surveys the damage. Do not throw away any damaged items or materials until the insurance company has inspected and given approval to discard the items.
  • Be cautious when engaging with third party contractors: Seek multiple quotes, discuss with your insurance company, and ensure you have a signed contract prior to beginning repair or remediation work.
  • Take caution when working with public adjusters: Before engaging with a public adjuster, consult with your insurance carrier or your Brown & Brown advisor.
  • Refrain from admitting liability or fault: Do not engage in actions that could result in further damage. Let your insurance adjuster handle the claim on your behalf and make any coverage determinations 

Additional Resources

Additional Claims Support

If you need additional claims support, please reach out to your insurance carrier directly using the claims information provided on your policies, or to your Brown & Brown insurance advisor.  

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