Claims · 24/7

When something goes wrong, call us first.

A policy is a promise; a claim is where it's kept. Call our claims line any hour and a human who knows your account picks up. Then we run the file so you can run your business.

Call (628) 227-5427 claims@montgomeryrisk.com

The Process

How we run a claim.

Report it to us first

Day or night. We take the first notice of loss, tell you exactly what to document, and what not to say to anyone else's adjuster.

We file and frame it

We submit to the carrier with the coverage analysis already done, citing the policy language that puts your loss inside the grant.

We push the file

Weekly follow-ups, escalation when adjusters stall, and a fight on reserves and valuations. You get a status update without asking for one.

Settle and review

Once paid, we close the loop: what the loss taught us, and whether your program needs adjusting before renewal.

Claims strategy meeting

Claims Advocacy

We manage the claim so you can run the business.

An insurance company's claims department exists to pay no more than the policy requires, which is fair, since a policy is a contract. Our job is to make sure what the policy requires gets read in your favor, from the coverage grants down to the endorsements.

Last year our claims team recovered an average of 22% more than the initial carrier offer on disputed property and liability files, mostly because someone who reads policy language for a living was pushing the file.

Talk to claims advocacy

Before You Need Us

Three things to do today, free of charge.

i.

Photograph everything

Walk your premises with a phone camera twice a year. Equipment, inventory, improvements. A ten-minute video is the strongest proof-of-loss exhibit there is.

ii.

Save our number

(628) 227-5427, in your phone and your manager's. The first hours after a loss determine how the next six months go.

iii.

Know your deductibles

Surprises at claim time erode trust in the whole program. Your renewal summary lists every retention. Ask us to walk through it anytime.

"The kitchen fire was a Tuesday at 11pm. Carmen answered, the mitigation crew was there by 1am, and we were serving lunch out of a rented unit eleven days later, with business income coverage paying for all of it."
General Manager · Mission District restaurant

Have an active claim going badly?

Even if we're not your broker yet, call. Twenty minutes of triage costs nothing.

Call (628) 227-5427