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CARRIER CONTACTS FOR HURRICANE CLAIMS

by Chad Toups   

CARRIER CONTACTS FOR HURRICANE CLAIMS

If you have a claim, please immediately report your claim to your insurance company.  Here is a list of claim numbers, email addresses, and websites to file your claim with your carrier.

Accentus
Phone: 1-888-796-6571
Web: https://www.acadianins.com/report-a-claim

Aegis
Phone: 1-800-233-2160
Email: claimsq@aegisfirst.com

Allied Trust
Phone: 1-844-200-2842
Web: https://alliedtrust.allied-trust.liberate.claims/fnol

ASI – American Strategic Insurance (Progressive Home)
Phone: 1-855-274-5577
Web: https://www.americanstrategic.com/claims-center/report-a-claim

ASI – American Strategic Insurance Flood (Progressive Flood)
Phone: 1-866-511-0793
Email: FloodClaims@e-ins.net
Web: https://flood.americanstrategic.com/Tools/ReportClaim.aspx

Bankers Insurance
Phone: 1-800-765-9700
Web: https://bankersinsurance.com/filing-a-claim/

Cajun Underwriters
Phone: 1-855-509-3432 Option 1
Email: claims@cajunuw.com
Web: https://cajunuw.com/claims/report-a-claim/

Centauri
Phone: 1-877-234-4401
Email: claims@centauriinsurance.com
Web: https://centauriinsurance.com/claims-draft/

Foremost Insurance
Phone: 1-800-527-3907
Web: https://www.foremost.com/claims/

Gulf States – Home
Phone: 1-888-277-0575
Web: https://www.gulfstatesinsure.com/loss_form

Gulf States – Flood
Phone: 1-844-533-5663
Web: https://cagulfstates.managemyfloodpolicy.com

Kinsale
Phone: 804-289-1394
Email: newclaimnotices@kinsaleins.com
Web: https://www.kinsaleins.com/claims/

LA Citizens
Phone: 1-888-568-6455
Web: https://www.lacitizens.com/claims-center/report-a-loss

National General
Phone: 1-800-468-3466
Web: https://claims.nationalgeneral.com/report

Ocean Harbor
Phone: 1-855-585-0500
Email: claims@oceanharbor-ins.com

Progressive
Phone: 1-800-776-4737
Web: https://www.progressive.com/claims/

Progressive – Home
Phone: 1-866-274-5677
Web: https://uat-www.americanstrategic.com/claims-center/report-a-claim

Progressive Flood
Phone: 1-866-511-0793
Email: FloodClaims@e-ins.net
Web: https://flood.americanstrategic.com/Tools/ReportClaim.aspx

Risk Placement Services (RPS) Covington
Phone: 1-844-777-8323
Email: rps_claims@RPSins.com
Web: https://www.rpsins.com/quote-and-pay/file-a-claim/

Safeco
Phone: 1-800-332-3226
Web: https://www.safeco.com/claims

SafePoint
Phone: 1-855-252-4615
Web: https://safepointins.com/claims/report-a-claim/

SageSure
(Federated National, Markel, Occidental, SURE, SafePort, Trium, Vave, Wilshire)
Phone: 1-866-311-7243
Web: https://sagesure.com/claims/

Swyfft
Phone: 1-877-799-3389
Web: https://www.swyfft.com/claims/product-selection

Wright Flood
Phone: 1-800-725-9472
Web: http://www.wrightflood.com/claims.html

In the event that your carrier is not listed, please send an email to claims@toupsins.com, and we will contact you as soon as our office returns to operational status.

 

 

 

 

 

 

 

 

 

 

 

Thanksgiving – Giving Thanks

by Chad Toups   

Happy Thanksgiving!

From my family and the entire Toups Insurance team, we would like to wish you and your family a Happy Thanksgiving!

At this time of year, we express our gratitude for the people around us and the blessings we have been given. Thank you for the confidence and trust that you place in our agency.

We are humbled and honored by the trust that you place in our local independent insurance agency to be your insurance agents!

Our offices are closed this Thursday, November 26st and Friday, November 27th to allow our team members to enjoy the holiday with their families. We will reopen for business on Monday, November 30, at 9 AM.

Should you suffer an emergency that cannot wait until we reopen up for business on Monday, you can always reach out to your carrier or you can visit our service centers for more information.

Even in these Covid times, we can strive to have a great Thanksgiving with our immediate family and friends!

Chad Toups

PS, Should you have a friend, or family member that needs an honest insurance review, or insurance quote, we would be honored if you would recommend our agency! Click here!

Claims Contact Info

by Chad Toups   

Toups Insurance stands by to assist you with the filing of your claim. Should you ever wish to contact your carrier’s claims department directly, here is a listing of carriers with their claims department phone numbers and web pages.

Access Home 888-671-2442 www.accesshomeinsurance.com
Aegis Security 800-233-2160 www.aegisfirst.com
AIG 888-760-9195 www.aig.com
Allied Trust 844-200-2842 option 4 www.alliedtrustins.com
American Strategic Insurance 866-274-5677 www.americanstrategic.com
Americas 877-833-4163 www.americas-insurance.com
AmWins Insurance Group 504-495-2316 www.amwins.com
Anchor Specialty 844-365-5588 www.relyonanchor.com
Aspera 804-289-1394 www.asperains.com
Bankers 800-765-9700 www.bankersinsurance.com
BASS Underwriters 954-316-3198 www.bassuw.com
Bluefire Insurance 800-877-0226 www.bluefireinsurance.com
Bristol West 800-274-7865 www.bristolwest.com
Burns and Wilcox 504-838-9941 www.burnsandwilcox.com
Capitol Preferred 888-388-2742 www.capitol-preferred.com
Centauri Insurance 866-215-7574 www.centauriinsurance.com
Chubb 800-252-4670 www.chubb.com
CNA 877-262-2727 www.cna.com
FEMA Flood 800-767-4341 www.nfipdirect.fema.gov
Fireman’s Fund 888-347-3428 www.firemansfund.com
Foremost 800-527-3907 www.foremost.com
Foremost Auto 800-274-7865 www.bristolwest.com
GeoVera Insurance 800-319-6632 www.geovera.com
Gulfstates 888-277-0575 www.gulfstatesinsure.com
Gulfstream Flood 888.481.1159 https://www.gspcic.com
Gulfstream 866-485-3005 www.gulfstream-ins.com
Hagerty 800-922-4050 www.hagerty.com
Imperial Fire & Casualty 800-960-7777 www.imperialfire.com
Imperial Flood 877-254-6819 http://imperialfire.torrentflood.com
JC Taylor 800-345-8290 www.jctaylor.com
Jewelers Mutual 888-884-2424 www.jminsure.com
JIBNA 877-542-6254 www.insure-jewelry.com
Kemper Specialty 866-536-7376 www.kemperspecialty.com
Kinsale 804-289-1394 www.kinsaleins.com
Lighthouse 888-544-4885 www.lighthouse.insurance
Louisiana Citizens 888-568-6455 www.lacitizens.com
LWCC 800-519-7787 www.lwcc.com
Maison 800-293-2532 option 2 www.maisonins.com
Maison Flood 800-767-4341 option 1 www.maisonins.com
Markel 800-362-7535 www.markelinsurance.com
McIntyre and Associates 318-251-9003 www.mcintyreassoc.com
National General 800-468-3466 www.natgenagency.com
Occidental 866-311-7243 www.mysagesure.com
Ocean Harbor 888-796-6571 www.acadianmanagers.com
Progressive 800-776-4737 www.progressiveagent.com
RODCO Worldwide 504-833-5700 www.rodcoworldwide.com
RPS 844-777-8323 www.rpsins.com
RT Specialty 800-368-2095 www.rtspecialty.com
Safeco 800-332-3226 www.safeco.com
Safepoint 877-858-7445 www.safepointins.com
Sagesure 800-293-2532 option 2 www.sagesure.com
Scottsdale Insurance Company 800-423-7675 option 1 portal.web.scottsdaleins.com
SGA South 800-738-8555 www.sgasouth.com
Southern Fidelity 866-722-4995 www.southernfidelityins.com
South and Western 800-375-2075 www.southandwestern.com
Spinnaker 888-221-7742 www.spinnakerins.com
TAPCO 800-334-5579 www.gotapco.com
The Hartford 800-243-5860 www.thehartford.com
US Assure 800-800-3907 www.usassure.com
UPC Insurance 888-256-3378 upcinsurance.com
Wright Flood 800-725-9472 www.wrightflood.com

Progressive Insurance to Give Back Premium to Auto Insurance Clients Due to Coronavirus

by Chad Toups   

Progressive returns $1 billion in premium to customers!

Today we announced that we’re providing credits of approximately $1 billion in premium to Progressive personal auto customers as a result of fewer claims that come with less frequent driving.

Subject to approval by state regulators, Progressive personal auto customers who have a policy in force as of April 30 will be credited 20% of their April premiums in May and personal auto customers with a policy in force as of May 31 will be credited 20% of their May premiums in June. We estimate that the sum of these two credits will total approximately $1 billion. We may offer additional credits in the upcoming months.

Customers will not need to take any actions to receive the benefits. The credits will be applied automatically to the customer’s policy and those customers who have paid in full will receive a payment of the credited amounts. Customers will see it reflected in their accounts within a few weeks after month end. If they have a balance on the policy, we’ll apply the credit directly to the remaining balance. And if they’ve already paid in full, we’ll return the money to the payment account we have on file—please make sure your customers’ payment details are up to date.
Progressive CEO Tricia Griffith explained, “We understand how difficult and uncertain people’s lives are right now. While auto insurance might not be the most pressing topic on everyone’s mind, we know that finances could be. For our customers who have trusted us to be there in their times of need, we’re fulfilling that promise. We want them to know how much we care. Always guided by our core values, doing the right thing is vitally important to us. We know that by sticking together and taking care of one another during these difficult times, we’ll come through this stronger. We want our current customers to remain our future customers.”

We’ll continue to monitor the effects of the coronavirus situation and share updates as needed as we look for additional ways to help agents, customers, and our communities move forward. In fact, we’re finalizing plans on a number of initiatives designed to help you, our agent partners, during this time—look for additional information next week

In the meantime, be well and stay safe. Thank you for partnering with Progressive and Toups Insurance.

Special Message to Our Business Clients and Local Businesses – C.A.R.E.S. Act and Paycheck Protection Program

by Chad Toups   

Please watch this special video:

https://www.toupsins.com/wp-content/uploads/sites/83/2020/04/CARES-Act-Video.mp4

 

We are continuing to search and receive information regarding the C.A.R.E.S. Act and the Paycheck Protection Program almost by the minute. As of now, we have learned that banks will be able to start taking applications Friday April 3rd.

We have attached a copy of the application so that you can get familiar and start gathering information Borrower Paycheck Protection Program Application (v1)

Please begin compiling information to support and confirm the loan amount, which is 2.5 times the average monthly expenses for 2019 for the following:
• Salary, wages, commissions, or tips (capped at $100,000 on an annualized basis for each employee)
• Employee benefits including costs for vacation, parental, family, medical or sick leave
• Group health care benefits including insurance premiums and payment of any retirement benefit
• State and Local taxes assessed on compensation

Now is the time to become familiar with the application and begin gathering the necessary documentation and breakdown of your average monthly 2019 payroll costs.

For more detailed information on the C.A.R.E.S. Act and other options that may be available to you, please visit the Small Business Administration at sba.gov

As more information becomes available, Toups Insurance will provide it to support local businesses in need.

#BecauseWeLiveHereToo

5 Rules Every Landlord Should Live By

by Chris

I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property can be a major pain, and end up costing you a ton of money!

I certainly don’t mean to be a “Debbie Downer”, and I know that if it’s done right it can be lucrative, but from an insurance agent’s perspective, I don’t see a lot of people doing it right.

So you’re probably thinking, “Well Chris, you are an insurance agent. What do you know about real estate or rental properties? Why should I take advice from you?”

I’m not a real estate agent, and I don’t own a rental property. However, several of my friends/family/clients/co-workers own rentals, and because I insure a bunch of their properties, I’ve had a first hand account of the process, and I’ve learned what to do, and what not to do.

Continue reading →

Will my credit rating change my insurance rates?

by Chris

I was recently asked this question by one of our Toups Insurance clients, and thought I would share the answer here for our readers.

There are a lot of things that go into homeowners and auto insurance rates, one of them being credit. I’ve heard a lot of complaints from people who don’t like the fact that insurance companies use credit in their underwriting.

Some people have absolutely no idea that it’s used in the rate at all.

At the end of the day, there’s not much we can do about it though. Insurance companies have been using credit in their rates for decades, and that’s not likely to change.

By the way, insurance companies don’t pull your credit like a mortgage company or credit card company does. There is no negative impact on your credit as a result of an insurance company looking at it.

When I say “pull” what I mean is that the insurance company is doing what’s called a soft inquiry, which is not the same thing as having your credit pulled (hard inquiry).

When does credit play a role in insurance rates?
It’s important to understand that insurance companies don’t continuously check or monitor your credit. Usually, they only check it when you first get a quote and/or sign up with them in the very beginning.

This means that if your credit score increases (or decreases) your insurance company does not automatically know about it.

So, to my customers question of whether or not his increased credit score will lower his rates, the answer is not automatically.

What has to be done on our side as the agent is contact the carrier the insurance and ask them to do what’s commonly referred to as a “re-score”. This is when the insurance company can re-run the person’s credit (soft inquiry) to see if there is any positive bearing on the rate.

This isn’t something that the insurance company is going to let the agency do every single year, so it’s not worth even asking unless there has been a significant change in your credit score, and only you as the customer would know if that was the case.

If you’d like to get a better handle on your credit rating, it could be helpful to setup credit monitoring. We hope this was helpful! As always, leave us comment below if you have any questions.

Why Do My Auto Insurance Rates Keep Going Up Even Though My Car Keeps Getting Older?

by Chris

Why do my auto insurance rates keep going up even though my car is getting older?  At Toups Insurance, many of our clients ask this question so I would like to address it from a couple of angles.

First things first, even though it’s called car/auto insurance, it covers more than just your car. It should technically be called “auto-owners” insurance, similarly to how home insurance is actually called “home owners insurance”.

It’s important to understand that there are a lot of variables that go into insurance premiums, and with auto insurance, it’s no different.

The insurance company is much more concerned with you crashing into someone and causing them (or yourself) bodily harm, or death, than they are about your car. A car is a material possession which can be replaced.

A human life is not.

When is the last time you looked at your auto insurance policy?
If you look at it you’ll notice there are a lot of different coverages on your auto policy.

Bodily injury
Property damage
Un-insured motorist
Under-insured motorist
Medical Payments
Loss of Income
Funeral Expense
Loss of use
Rental Reimbursement

These are all things that you are covered for on your auto policy. How many of them have to do with your car?

None.

How many of them have a price next to them on your policy?

All of them.

Your car isn’t the only thing you’re being charged for on your policy
That’s because auto insurance covers far more important things than your car as mentioned above.

Let me re-phrase that: your car insurance rate isn’t just based on your car.

You’re not the only one…
It’s also important to understand that you are not the only person your insurance company insures. You are one fish in an ocean of other fish, sharks, and sea creatures, all who have different characteristics and risk profiles.

Insurance is all about spreading costs over a large number (risk pool) of people, which each person paying their fare share. That risk pool is constantly changing, and is impacted by a ton of different things, including the overall economic climate.

This means that you are sharing in the cost of millions of other people, many of whom may have poor loss history and/or credit.

That’s what insurance is though — sharing in the cost.

The next time your auto insurance rates go up, take a look at the big picture. Make sure you’re looking at ALL of the coverages, and corresponding rates.

Hope this helps!  If you would like to know more about Car Insurance be sure to visit our page dedicated to it.

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Thibodaux Office

121 E Bayou Rd
Thibodaux, Louisiana 70301
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(985) 446-4060
support@toupsins.com

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