Claims
A claim is the only test that matters. We stay on it.
Report it, gather a few facts, and let us handle the carrier. Here is exactly what happens and what we will need from you.
1. Report it the same day
Call us at 1-866-964-6660 or email info@providentfgp.com. Late reporting is the most common reason a claim gets complicated — carriers price and settle early reports better, and some policies require prompt notice as a condition of coverage.
2. We open the file with the carrier
We submit the first notice of loss, confirm which policy and coverage part applies, and get you a claim number the same business day whenever possible. You do not have to figure out which policy responds — that is our job.
3. An adjuster is assigned
Most carriers assign an adjuster within one to two business days. For injury claims a nurse case manager may be added. We stay on the file, chase contact when it slips, and translate anything that arrives in insurance language.
4. Investigation and resolution
Simple property and auto claims often resolve in two to four weeks. Injury and liability claims can take months because medical treatment has to conclude first. You will hear from us at each meaningful step, not just at the end.
What to gather before you call
- Date, time, and exact location of the incident
- Names and contact details for everyone involved and any witnesses
- Photos or video of damage, the scene, and any vehicles
- Police, fire, or incident report number if one was filed
- For injuries: the employee's role, wage, and where they were treated
- For property: an inventory of damaged items with approximate values
- For cyber: do not wipe systems — call the breach hotline first
Do not have all of it? Call anyway. We would rather open the file and fill in details later than let the clock run.
Two things not to do
- Do not admit fault or discuss liability with the other party or their attorney. Report the facts; let the adjuster determine liability.
- Do not authorize major repairs before the adjuster inspects, beyond emergency work needed to prevent further damage. Keep every receipt for that emergency work.
After hours or a cyber incident?
Property, auto, and injury claims can be reported to us any time and we will pick them up first thing. If you have a suspected ransomware event or data breach, call the 24/7 breach hotline listed on your cyber policy immediately — the response team is available around the clock and acting fast changes the outcome. Call us right after and we will manage the rest of the file.
Not a client yet?
Claims service is the reason most of our clients moved. See what we can do with your renewal.