Be prepared to give the name of the insured, policy number, date of the loss, what caused the loss, your contact information, the severity of your loss and any witnesses.

Go ahead and contact Alfa™ immediately. By immediately contacting Alfa, we will be able to help you start the claims process.

Once the claim is received by Alfa, it is assigned to an Alfa adjuster in your area. The adjuster will contact you to assess your damages and write an estimate or ask you to provide an estimate. Alfa issues drafts for claim payments. The draft may be payable to you and a vendor or your mortgage/lienholder company.

Gather as much information as possible, report your loss as soon as possible, make temporary repairs, and contact vendors and ask them for estimates.

The length of time it takes to settle a claim varies according to the severity of the loss and the number of losses Alfa receives. Every effort will be made to inspect your loss as soon as possible and to resolve the claim within a reasonable time frame.

An Alfa adjuster will contact you as soon as possible regarding your claim. If you have not heard back from an adjuster within a reasonable time period, please call your local Alfa office. You may also call the Alfa customer service number at 1-800-964-2532, option 3.

File a police report immediately for the theft. For insurance purposes, it is beneficial to provide any photographs you may have of the item(s) and provide the proof of purchase or receipt, serial number, ID number or model number of the item(s).

A deductible is the amount stated in your policy declaration that we will subtract from the amount we pay on a covered loss.

If your property is deemed uninhabitable due to a covered loss, you may be entitled to additional living or housing expense. The adjuster assigned to your loss will verify your policy coverages.

If this coverage is applicable to your loss, please keep copies of all your expenditures such as hotel and restaurant receipts.

It is advisable to make any temporary repairs that will prevent additional damage to your home. This includes covering broken windows and holes in the roof.

In general, flood insurance is not covered under dwelling policies; however, it may be covered under your automobile policy if you have comprehensive coverage on your automobile. Flood insurance for homes is administered through the National Flood Insurance Program. Contact your Alfa agent for more information.

If the adjuster is able to write the estimate, you may receive a draft immediately from the adjuster. If not, Alfa will mail you a draft. The draft may be made out to you and your vendor or to you and your mortgage/lienholder company.

If you have any questions regarding your claim or any repairs, please contact the adjuster handling your claim.