To report a claim directly to your insurance company, please see the “Insurance Company Claim Directory” below.
You can also report a claim directly to our office to our dedicated claims reporting and management staff – a bonus service many agencies do not offer. They focus solely on handling claims, so they know how companies settle claims, how to negotiate or fight a surcharge, and how to advocate on your behalf. Scroll down for Q&As on what to do if you have a claim.
The Sylvia Group is dedicated to providing our clients with emergency assistance. In the event of a claim, you may reach a Sylvia Group representative by dialing (508) 995-4553 and leaving a message in the emergency mailbox or accessing our emergency system. Your call will be returned as soon as possible.
What you do immediately after an auto accident or a natural disaster can save you time, money and energy. Below are some of the most commonly-asked questions, and some answers that may not be “common knowledge.”
Exchange information with the other driver(s) involved in the accident. You should exchange names, addresses, telephone numbers, type and ownership of vehicles, insurance information and a description of damages.
Get the names, addresses and telephone numbers of any witnesses. Call the police. The police will advise you if their response to the scene is not necessary. Do not admit fault to anyone as there could be multiple factors contributing to an accident. Give factual details of your recollection of the accident and cooperate with the police in providing answers to their questions. If your vehicle needs to be towed, request that it be removed to a repair shop of your choice. As soon as possible, contact the company carrying your insurance to report the loss.
First, make sure the injured employee is comfortable. Do not move the employee if head, neck or back injuries are suspected. Make sure the injured employee receives professional medical attention. Complete the accident reporting form required in your state. You should also contact your insurance company to report the accident and provide information concerning the employee and their injury.
You must keep all receipts in order for the expenses to be considered part of the loss. The expenses must be in line with normal living costs and must be a necessary and direct result of the loss. Policies typically limit recovery under “additional living expenses” to a percentage of the amount of coverage on the home itself.
Many homeowners policies don’t provide coverage for damage to trees caused by wind. But if a tree falls and damages insured property, such as a house or a fence, the damage is almost always covered.
Do everything in your power to guard against follow-on damage to your property. Secure your property, by temporarily boarding windows and tacking down loose roof shingles. If possible, dry carpets and personal property, to prevent any further damage. If you don’t take preventative measures, and additional damage results, it may not be covered.
Most residential policies have a “power failure” exclusion and don’t cover food spoilage that results from power outages. If you live in an area that has frequent storms and power outages, your best bet is to keep several large coolers in storage, ready for use.
Probably not. Most homeowners policies provide coverage under “sudden and accidental damage from artificially generated electrical current.” But coverage doesn’t apply to loss of transistors, computer chips, and similar items. So, damage from a power surge wouldn’t be covered for your computer, TV or stereo.
It depends on the cause of the claim. If your claim is an isolated incident, you’re more likely to get a resolution quickly. If your claim is one of many, the claim process is likely to take far longer. You should call back a few days after your interview with the adjuster, to see when they submitted the paperwork to your insurance company. You may also want to contact the insurance company after the adjuster has forwarded them their report.
If the check is for an amount that’s lower than you expected, it’s usually because of policy terms that require settlement on an actual cash basis, to be followed by a separate payment for replacement costs when repairs or replacement are completed. Check with CIG or with your insurance company.
If the policy indicates that settlement will be on a replacement-cost basis, then payment will be made for the actual cost, at today’s prices, to repair or replace, limited only by the total amount of coverage that was purchased. If the adjustment basis is actual cash value, settlement will be made by determining the replacement cost at today’s prices, less a reasonable amount for depreciation, age, or obsolescence. Some policies provide coverage for the home on a “guaranteed replacement cost” basis, in which case the carrier pays whatever it costs to repair or rebuild the home, regardless of policy limits.
“When I needed assistance with my business insurance program, Jill White immediately responded – and, even more important, she listened. She understood the challenges I had with my former agent, and she and the Sylvia Group team designed a program specific to my restaurant’s needs. I’m confident that with Jill’s expertise and personal attention, Fay’s is in good hands. That gives me the peace of mind to focus on what my family and I do best: serve delicious food and provide great customer service while running a successful business.”
– Evelyn Bettencourt, Owner, Fay's Restaurant and Knotty Pine Fine New England Catering
“Thanks to John Beauregard and the professionals at Sylvia Group, our MassMEDIC membership has paid immediate dividends. Through the BIO Business Solutions® program, Primo Medical received a significant premium reduction on our Professional Liability policy. In addition, utilizing Chubb as our insurance provider and Sylvia Group as our broker, we’re confident that we have business partners who truly understand our insurance needs, provide outstanding loss control services and continue to work with us to lower our total cost of risk.”
– Christopher LaPlante, Chief Financial Officer, Primo Medical Group
“I love your staff. Since we moved over to Sylvia Group for our insurance — what is it, maybe three or four weeks? — I have had more communication and attention from them than I had for the — what, seven or eight years? — with my former agency! You have a great team.”
– Pat Cassan, Ocean Explorium
“You have to have somebody like Judy Besse working with you. She’s very detail-oriented and patient. I’d be lost in a quagmire of laws, rules, regulations… I want somebody on my team as I have with Judy.”
- Paula Gendreau, Business Manager, Greater New Bedford Regional Voc-Tech High School
“I want to thank you for this incredible resource (ThinkHR). We will be accessing it frequently and appreciate Sylvia Group making this available to Advanced Eye Centers.”
Paul C. Abrantes, Executive Director, Advanced Eye Centers
“I so appreciate Julie Jennings' help with Medicare planning. It is a relief to be able to consult with a knowledgeable professional on insurance issues. I have no idea how people do this without such help.”
– Chris Black, Personal Insurance client
"Working with Judy Besse can be pretty interesting because she sets the bar so high. And because she’s putting the customer first, she’s willing to put choices on the table that a lot of brokers just aren’t going to consider because they don’t want to take the haircut."
– Ed Belt, CEO, Primarily Care, Inc.
“Working with Sylvia Group over recent years has taken our insurance issues from 'groans and moans' to 'no problem.' Rose Lopes, our Account Manager, is one of the most responsive people I have ever worked with. She responds immediately to questions or special requests. It is such a pleasure to work with Rose, who does whatever it takes to find a solution to our needs. We are very pleased… She always has our interests in mind.”
– Lynne Foley, Director of Human Resources, Five Star Companies, Inc.
“Judy Besse and Sylvia Group do a wonderful job. Judy’s skills, knowledge of the (benefits) industry and manner of presenting complicated things in an easy-to-understand fashion are unparalleled.”
- Tom Riley, M.P.A., Executive Director, Better Community Living
“We wanted to enhance our employee benefits offering, but we didn’t have the time or expertise to explore the myriad of options. Judy Besse consulted with us and provided detailed information that made a complex choice easy, enabling us to maximize our ROI. And she managed the entire process right through to implementation – including employee communication, enrollment and carrier accountability.”
– Tom Donaruma, Director of HR, Brahmin Leather Works
"Sylvia Group is by far the best insurance agency I have ever dealt with, both personally and in my business. They provide customer support that is not found in other agencies. For example, they take a personal interest in their clients, calls are always taken or returned immediately, and during reviews suggestions are made to offer the most cost effective and comprehensive coverage. When claims occur, they have always been there to facilitate the process. It has truly been a pleasure to have them represent me in my insurance needs."
- William N. Whelan, Chairman, Whelan Associates LLC