Personal Claims Advocacy

At Marsh McLennan Agency Private Client Services, we are committed to advocating for our clients, especially when it comes to filing a claim.

File a Claim

Claims Advocacy

From your initial consultation with us, to the design and placement of your insurance, and throughout the claims process, our objective is serving your best interests.

Experiencing a property loss or liability claim can be overwhelming and the thought of making an insurance claim can seem daunting. There is a need to act quickly and there are often many things to consider so that your interests are protected. Our Claims Analysts can provide claims advocacy and expertise to help you achieve the best possible settelment with your insurer.

Our Team

Our dedicated team of highly experienced Claims Analysts are here to:

Proactively help with obtaining prompt and fair settlements from insurers for our clients
Provide clear and timely information to our clients regarding their claims status
Advocate for our clients no matter the complexity of their case

If you experience a covered loss, a Marsh McLennan Agency Private Client Services Claim Analyst will be available to file a claim with your insurer on your behalf. They will also provide support and experienced guidance throughout the entire claim and settlement process.

Claim Assistance

Private Clients

As our client, you can report your personal lines (home, auto, liability, etc.) claim with your Client Advisor or by completing the form below to get started. You may also call us at 866-829-3036

Our Claims Analysts are available Monday - Friday, from 9 am - 8 pm ET. They will contact you within 24 hours of your inquiry.

Yacht

As our client, if you require Yacht Claims Service or assistance related to your vessel, please contact your Client Advisor or complete the yacht form to get started. You may also call us at 954-765-5684. Our yacht team is available 24/7 to assist you.

Non-Business Hours Assistance

For assistance during non-business hours you may use the contact information below to reach your insurer directly:

Natural Disasters

Alerts

The Chief Financial Officer (CFO) and State Fire Marshal Jimmy Patronis issued a consumer alert to warn Floridians about the dangers of electric vehicle fires caused by submersion in saltwater, which are associated with impacts from Hurricane Helene and Hurricane Milton. Read the full alert.

Risk mitigation preparedness

Some 30 severe weather disasters like wildfires, hurricanes, winter storms, tornadoes and hail caused losses exceeding $1 billion across the U.S. in 2024. Review the following homeowner risk mitigation strategies to stay ahead of weather-related events and better protect your property.

Risk Mitigation Insights and Tips for Homeowners

When a Loss Occurs

If you have a property loss, the following tips will help ensure a smooth claims experience.

When losses are severe, avoid premature guesses, overly optimistic evaluations, or quick settlements.
Separate damaged from undamaged goods and prepare an inventory listing all items.
Take pictures and, when possible, save a portion of the damaged property, such as flooring or carpeting, to document the loss.
In the case of vandalism or theft, notify the police promptly.
Keep detailed records of all expenses and retain receipts.
Insist on detailed invoices for all loss expenses.
Discuss salvage efforts with the adjuster before disposing of damaged property.

Depending on the situation, you may also have a casualty claim. If another party claims that you are liable for damages, be sure to consider these tips.

Do not admit or comment on potential liability, nor offer a settlement.
Obtain claimant’s name, address, email, and telephone number. If there are any witnesses, make sure to get their names, addresses, and telephone numbers.
If emergency services respond, write down the name of the ambulance company and the hospital.
Remember to inform your insurer promptly in the event that an additional witness surfaces after you have filed your initial report.

Keep these considerations in mind when working with your contractor to repair property damage.

Choosing a Contractor

Request multiple, detailed estimates from reputable companies specializing in the same services. This should include references and examples of their work.
The contractor should be appropriately bonded. Surety bonds provide assurance that contractors will perform the work and pay specified subcontractors, laborers, and material suppliers.
For contractors and repair service providers, please visit the Better Business Bureau (bbb.org) and learn more about their company’s reliability and their authority to do business in your state.

Insurance Considerations

Advise your Client Advisor in advance of any construction or renovation projects.
Before you enter into a major construction contract, speak with your Client Advisor as the insurer may require certain loss mitigation controls be in place.
Don’t sign documents that contain a waiver of subrogation clause or hold harmless agreement. This may affect how your insurance responds and cause you to take unnecessary responsibility for losses that may occur during the course of construction.
Obtain a certificate of insurance to verify that the contractor or service provider has general liability insurance and workers’ compensation insurance. It is prudent to contact their insurance provider to confirm that coverage is in force and the aggregate limit has not been eroded by prior claims. Depending upon the size of the project, it is advisable to verify that the contractor also has excess liability coverage.

Remediation and Restoration Services

Should you have damages that may result in a disaster-related claim, the following services may be of assistance. Please be advised: remediation costs are subject to review and consideration by the insurance carrier.

Some of our insurance carriers may have a “preferred relationship” with one or more of the mitigation service providers listed above. This preferred relationship may provide some additional benefits to the client should they choose to select one of those providers. If you are interested in what additional benefits may be available, contact your insurance carrier to find out more.

Report a personal lines claim

Personal Claims Advocacy

Claims Advocacy

Our Team