Report A Claim

At Endline/Pike Insurance, we are committed to providing you with outstanding claim service. If you have a loss involving your automobile or your home, business, or other type if insurance, we are here for you and are committed to handling your claim quickly and efficiently. Our office is open 8:30 a.m. – 5:00 p.m. Monday through Friday, excluding holidays.

If your claim is not an emergency you can send us the information by completing the information in the form below.

After Hours Claim Reporting
It is our goal to assist you with all of your claims; unfortunately not all claim incidents happen during office hours. For after-hours claim reporting we have provided you with the telephone number you should use when reporting claim.

To help you through the process of filing a claim, we have added directions that are located under the Report A Claim Form.

Hagerty   1 (800) 922-4050
Auto Owners   1 (888) 252-4626
Foremost   1 (800) 527-3907
Grange   1 (800) 455-3030
Titan   1 (800) 347-7930
Progressive   1 (800) 925-2886
AAA   1 (800) 222-6424

GUIDE TO THE INSURANCE CLAIM PROCESS

1. Contact
You will be contacted by a catastrophe adjuster to set an appointment for your inspection of your claim.

2. Inspection
The adjuster will determine the scope of necessary repairs to be able to prepare an estimate for the covered damages. If you have a contractor, please ask they be present for this inspection.

3. Estimate of Damages
The catastrophe adjuster completes their file by writing an estimate for the covered damages and submitting the file to their own internal quality control department.

4. Review by Insurance Company
One the file is approved by the catastrophe company; it is released to the insurance company for approval.

5. Payment Issued
Reimbursement for repair or replacement of your damages may be made in two or more payments.

You will receive a copy of the estimate of damages which details all of the following payments:

1st Payment:  Actual Cash Value (ACV)
ACV is the cost to either replace an item with like kind and quality, less depreciation or repair an item, less depreciation. Depreciation is a decrease in the value of that item due to its age and condition.

6. Repairing your Property
Contact a contractor of your choice and provide them a copy of the estimate. Review the estimate with them to ensure that the scope of damages and repair process is completely understood. If there is a cost difference, contact us immediately. Once the repairs are completed, you may be eligible for the following:

2nd Payment: Replacement Cost (RC)
If your policy has replacement cost coverage, you may be entitled up to the full amount shown on the estimate you received with your first payment6. To receive this payment, you will need to submit the following to the insurance company’s claims branch to review for proof of completion.

An itemized invoice, photos of repaired property and any other documentation we further request. We reserve the right to inspect the repaired property.

Once the review process is complete, we will reimburse you the depreciation that was withheld, or the actual cost of repairs less the deductible and initial payment, whichever is less.