Common questions, answered
Have insurance questions? We’ve got the answers. And to make navigating the answers easier, we’ve broken the frequently asked questions into several categories.
Millers Mutual offers flexible and convenient options for paying your policy premium. We have a new enhanced billing portal available to our customers starting November 26, 2019. Please click HERE for answers to frequently asked questions about our new billing options.
If you have questions that aren’t answered here, please call our Billing Department at 800-745-4555 .
To help you feel more comfortable about filing a claim, we’ve provided answers to some of our customers’ more common claims-related questions.
What information do I need to report a claim?
We can start helping you more quickly if you provide us with the following information when you report a claim:
Your own contact information (name, phone, e-mail)
Name of Insured (displayed on all policy documents and invoices)
Policy number (displayed on all policy documents – three letters followed by nine digits)
Date of loss
Location of loss
Description of loss (type of property damage, description of injuries, etc.)
Photos or videos – if available
What happens after I report a claim?
A Millers claim representative will contact you to collect additional information about the nature of your claim and related damages. We will assign a claim number and a professional claims adjustor to evaluate the loss, answer questions, and coordinate all other activities (estimates, repairs, litigation, etc.) related to your claim.
For minor damage, we may simply instruct you to obtain a repair estimate from a contractor of your choosing and our adjustor may authorize you to proceed with repairs based on that estimate. For major damage, we may need to send an appraiser or engineer out to assess the situation first hand. Either way, we’ll let you know how to proceed based on the information we collect when you report a claim.
What should I do to prevent additional damage to my property after a loss?
Protecting yourself and others should always be your first priority. If your property has sustained serious structural damage, if you smell gas, or if you suspect exposed electricity, contact local authorities to assess safety before entering a damaged building.
If possible, you should protect your property by making reasonable temporary repairs to prevent more severe or extensive damage. For example, you may be able to stop a water leak by shutting off the water valve, you can hang plastic over damaged windows or roofs to prevent water from entering a building, or you may be able to prevent mold by taking steps to dry out a water-damaged area of a building. Certainly, letting a minor problem turn into a major problem by ignoring it is not advisable. When in doubt, call your agent or Millers Mutual to ask about the temporary repairs you should make to mitigate further damage. And, of course, if you do make emergency repairs, retain copies of all receipts.
How do I know if my claim will be covered?
The best place to start is with your policy. It spells out the details of what is covered and what is not. Please do not hesitate to contact your agent or Millers claim representative to help you understand how your insurance policy applies to your particular situation.
What can I do to help settle my claim quickly?
The most important thing you can do when a loss occurs is to notify Millers immediately. We spring into action as soon as we know a loss has occurred. And the sooner we know about a loss, the quicker we can respond.
Cooperate with the claims adjustor who is assigned to handle your claim. Remember, this individual is committed to resolving claims quickly and fairly. The more information you provide to help the adjustor do his/her job, the faster we can process your claim.
Take photos or video of all building or content damage before making emergency repairs. Document the damages and – when appropriate – identify potential witnesses.
Provide copies of any leases, contracts, maintenance agreements, police reports, etc., to help us assess your rights and responsibilities.