Navigating Insurance Claims: A Step-by-Step Guide

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When disaster strikes, are you ready to file an insurance claim?

Below is a simple step-by-step guide to help you through the process — from the moment something goes wrong to the final settlement.

1. Assess the Situation and Stay Safe

Before anything else, make sure you and others are safe. In emergencies like auto accidents or fires, call 911. Once everyone is out of harm’s way, begin documenting the damage if it’s safe to do so.

2. Review Your Insurance Policy

Take a few minutes to revisit your policy. Know what’s covered, what your deductible is, and any limitations or exclusions. This will give you a clearer picture of what to expect and help you ask the right questions when speaking with your agent.

3. Document the Damage

The more detailed your documentation, the smoother your claim process will be. Use your phone to:

  • Take clear photos and videos of the damage

  • Record the date and time of the incident

  • Keep receipts or invoices related to emergency repairs

This step is especially important for property, auto, and business insurance claims.

4. Contact Your Insurance Agent Promptly

Reach out to your insurance agent or company as soon as possible to start the claims process. Your agent will guide you through the initial steps and provide the proper claim forms or links to file online.

5. File the Claim

Submit all necessary documents and information:

  • The completed claim form

  • Photos, videos, and other supporting documentation

  • Police reports (if applicable)

Make sure to keep copies of everything you send in.

6. Meet with the Claims Adjuster

An adjuster may be assigned to assess the damage in person or virtually. Be prepared to:

  • Walk them through what happened

  • Show documentation

  • Answer questions honestly

The adjuster’s report plays a key role in determining your settlement, so transparency and organization are crucial.

7. Follow Up and Stay Informed

Keep communication open with your adjuster or agent. Don’t hesitate to ask for updates or clarification on timelines. Staying engaged helps ensure your claim moves forward without unnecessary delays.

8. Review the Settlement Offer

Once your claim is processed, you’ll receive a settlement offer. Review it carefully:

  • Compare it to repair or replacement estimates

  • Ask questions if something doesn’t add up

  • Negotiate if needed

You’re not obligated to accept the first offer if it doesn’t meet your expectations.

9. Finalize the Claim and Get Reimbursed

After accepting the settlement, your insurer will issue payment. Depending on the situation, this could go directly to you, a repair shop, or a contractor. Once everything is resolved, keep all records for future reference.

So Be Prepared, and Stay Informed.

You can experience the benefits of being a part of a full-service Independent Insurance Agency today! Simply contact Briggs Agency, Inc. if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

Blog post written by: Caden Gliva

Meet the Team – Caden Gliva

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Caden Gliva is serving as a Marketing Intern at Briggs Agency for the summer of 2025. He joined the agency in 2025 and has quickly come to appreciate the welcoming atmosphere and the opportunity to work alongside such a supportive and professional team.

He is currently pursuing his degree in Marketing at Valparaiso University, with aspirations to build a career in social media marketing.

Outside of work, Caden enjoys spending time with friends, playing video games, discovering new music, and watching sports.

A fun fact about Caden is that he has a pet hamster named Munch.

Meet the Team – Leah Robertson

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Leah Robertson has recently joined Briggs Agency in 2026 as our Marketing Coordinator.

She is currently receiving her bachelor’s degree at Valparaiso University in Marketing and is licensed in Property & Causality.

Growing up in Crown Point, she loves to spend time with her friends and family and finds quality time crucial. Furthermore, she appreciates the culture here at Briggs Agency as we thrive on creating a welcoming environment and building connections. She, along with others, is proud to call Briggs her family.

Meet the Team – Matt Davis

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Matt Davis joined Briggs Agency in 2025 as an Insurance Producer and is licensed in Property & Casualty and Life & Health Insurance. He has 15+ years experience in the construction industry managing residential and commercial projects.

Matt combines his industry knowledge and prior business ownership experience to help clients find tailored insurance solutions and build lasting relationships.

In his free time, he spends times with his wife Kourtney and 3 children.

Meet the Team – Andrew T. Briggs

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Andrew T. Briggs has been with Briggs Agency since 2016 and currently serves as the President. He enjoys building strong relationships with business owners and the community and helping clients manage risk.

Andrew holds a B.S. in Fire Protection Administration from Eastern Kentucky University and is licensed in Property & Casualty and Life & Health Insurance.

Originally from Crown Point, IN, Andrew outside of work enjoys spending time with family and friends, playing golf and hockey, traveling, and reading.

Fun fact: Andrew has 10+ years experience as a firefighter, and currently serves as a part-time firefighter/Advanced EMT in Cedar Lake.

How to Prepare for a Home Insurance Inspection

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Your Insurance Company Is Coming; Are You Ready?

You’ve finally obtained a house insurance policy, but your insurer wants to perform a home inspection before everything is finished. Don’t worry if that sounds scary. This is a routine procedure meant to safeguard you and your insurance company by guaranteeing that the house is fairly evaluated for possible hazards and worth.

We’ll explain what a home insurance inspection is, what to anticipate, and how to get your house ready to pass with flying colors in this post.

What Is a Home Insurance Inspection?

A home insurance inspection is when your insurer sends an expert to examine your property in person. The objective is to:

Check the details in your application for a policy.

Determine any possible threats to safety or responsibility.

Assess the age, worth, and state of your house and systems.

New policies, older properties, and after modifications are frequently subject to inspections. They assist in making sure your home doesn’t present any unforeseen threats and that your coverage amount is correct.

 

What Inspectors Look For

You can prepare more effectively if you are aware of the things an inspector looks for. Typical evaluation topics include:

Roof condition: Is there obvious deterioration, missing shingles, or leaks?

Electrical systems: Are there exposed wiring or old panels?

Is everything in the HVAC and plumbing systems up to code and free of damage or leaks?

Are there any indications of water damage, sagging, or cracking in the foundation and structure?

Safety features: Are your fire extinguishers, carbon monoxide alarms, and smoke detectors operational?

External risks: Are there too many trees near the house? Are there any obstacles that could be dangerous, like debris or uneven walkways?

In order to bolster their report, the inspector could additionally take measurements and pictures.

 

How to Prepare: Inside the Home

To prepare for your interior inspection, follow these steps:

Clear down crowded spaces to make mobility easier.

Check smoke and carbon monoxide detectors and change the batteries if necessary.

Repair small leaks near toilets or beneath sinks.

Stairs with secure handrails

Verify that systems and equipment (such as the water and heating) are operating correctly.

Keep track of any recent improvements, such as new insulation, roofing, or plumbing, as they may reduce your rate.

 

How to Prepare: Outside the Home

Remember that the outside is equally important:

Gutter and downspout cleaning

Cut back branches that droop over the roof.

Remove any trip hazards from walkways, such as toys or gardening equipment.

Look for any obvious flaws in the driveway or foundation.

Propane tanks, fire pits, and grills should be kept securely out of the house.

Curb appeal is also important because it might give the appearance that the house is well-kept.

 

Have Documents Ready

If you’ve recently made repairs or improvements, collect:

Contractor receipts or invoices

Reports on inspections

Renovation permits

Details of important systems’ warranties

This paperwork can confirm the state of your house and may result in lower prices or savings.

 

An Ounce of Prevention Pays Off

It doesn’t have to be difficult to get ready for a home insurance inspection. You position yourself for success—and possibly better coverage and reduced premiums—by being aware of what inspectors look for and taking proactive measures to clean up and fix minor problems.

Consider it a home health examination; identifying minor issues early on can help you avoid more serious ones later.

 

You can experience the benefits of being a part of a full-service Independent Insurance Agency today! Simply contact Briggs Agency, Inc. if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

Blog post written by: Caden Gliva

The Impact of Natural Disasters on Insurance Rates

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The Bills Start After the Storm: How Natural Disasters Are Changing the Cost of Insurance

Imagine watching the television while a tornado razes neighborhoods or a storm roar toward the coast. While safety is the primary issue, a less obvious effect that follows is an increase in insurance premiums. Natural catastrophes not only cause physical devastation for homeowners, company owners, and even tenants, but they also upend the financial landscape, particularly in the insurance industry.

The Rising Tide: Why Natural Disasters Are Driving Up Insurance Costs

Natural disasters like tornados, floods, hurricanes, and wildfires have become more frequent and severe. These events lead to significant financial losses for insurance companies, which in turn adjust premiums to manage their risk exposure. As rebuilding costs soar, so too do insurance policies, especially in high-risk zones.

According to data from the National Oceanic and Atmospheric Administration (NOAA), the U.S. experienced 28 weather and climate disasters in 2023, each causing damages exceeding $1 billion. For insurers, this means billions in claims—and for policyholders, it often means double-digit percentage increases in premiums.

Breaking It Down: The Disasters and Their Effects

Tornadoes
Particularly in the Midwest and Southeast regions of the United States, tornadoes can hit without warning and with deadly severity. Homes and infrastructure can be leveled in a matter of minutes by these wind-driven occurrences. Because they have to pay out a lot of claims quickly, insurers must:

In places like Kansas and Oklahoma that are prone to tornadoes, raise premiums.

Increase the deductibles for damages caused by wind.

Stricter requirements for coverage eligibility.

Floods
Despite being one of the most frequent natural catastrophes, floods are also one of the most underinsured. Flood damage is often excluded from homeowner’s insurance policy, necessitating additional coverage through initiatives like FEMA’s National Flood Insurance Program (NFIP).

Following significant floods:

NFIP premiums typically increase dramatically, particularly in flood zones.

Private insurers drastically raise rates or limit the availability of flood coverage.

Previously “safe” places may be reclassified on new FEMA flood maps, increasing rates.

Hurricanes
Wind, rain, and storm surge are the three threats that hurricanes bring. After every storm season, premiums in states like Florida, Louisiana, and the Carolinas frequently soar. Among the impacts are:

The rising cost of reinsurance, or insurance for insurers, affects consumers.

The complete withdrawal of insurers from high-risk markets

Hurricane deductibles, which are higher than regular ones, were introduced.

How This Impacts You: Expectations for Policyholders

The repercussions are being felt across the country, regardless of whether you live in a disaster-prone location or not:

Premium increases, even in places with moderate risk

Fewer coverage alternatives and stricter underwriting

Increased focus on mitigation, including mandating flood-proofing or storm shutters for reduced rates

Additionally, insurers are increasingly using climate data and prediction algorithms to evaluate risk, so even in the absence of a storm, changes in the risk profile of your ZIP code may have an impact on your premiums.

Getting Ready for an Unpredictable Future

Natural disasters are becoming the new normal rather than “rare” events. Insurance costs will continue to reflect this increasing unpredictability as climatic trends change and extreme weather occurrences become more frequent.

Important Takeaways: Hurricanes, floods, and tornadoes cause a large spike in claims, which forces insurance companies to boost rates.

Homeowners in high-risk areas may be subject to reduced coverage and stricter policies.

Costs may increase for policyholders nationwide, even if their area hasn’t been affected.

You can experience the benefits of being a part of a full-service Independent Insurance Agency today! Simply contact Briggs Agency, Inc. if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

Blog post written by: Caden Gliva

Strategic Insurance Partnership for the Modern Business

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Why Briggs Agency Inc. Should Serve as Your Business Insurance Department

Executive Summary

In a volatile business environment, insurance must evolve from a transactional necessity into a strategic asset. Small and mid-size enterprises (SMEs) face increasingly complex risk exposures—from evolving compliance standards to cyber threats, employment liability, and more. Yet many lack the in-house resources to effectively manage these risks.

Briggs Agency Inc. offers a transformative solution: a high-touch, independent insurance partnership that functions as your outsourced insurance department. With personalized service, access to best-in-class carriers, and industry-specific expertise, we deliver a proactive and strategic approach to insurance—one that supports growth, mitigates risk, and aligns with your long-term vision.

The Problem: Insurance That’s Passive and Generic

For many growing businesses, insurance is treated as a once-a-year task—a reactive process focused solely on compliance or price. This limited approach often leads to:

  • Inadequate or misaligned coverage
  • Missed contractual obligations
  • Increased claims exposure
  • Gaps in communication and accountability
  • Loss of valuable time managing insurance issues in-house

These issues can have real consequences—both financially and operationally—if not addressed proactively.

Our Solution: Briggs Agency Inc. as Your Insurance Department

By partnering with Briggs Agency Inc., your business gains access to a full-service insurance team—without the overhead of an internal department. We integrate seamlessly into your operations and take full ownership of the risk management function, tailored to your business’s needs.

Key Capabilities

Customized Risk Profiling

We begin with an in-depth risk assessment, evaluating everything from operational exposures and workforce structure to contractual obligations and regulatory compliance. This forms the foundation of a tailored insurance strategy built for both protection and growth.

Independent Access to Elite Carriers

Our independence means we’re not bound to one carrier. Instead, we leverage a broad network of top-rated insurance providers to deliver customized coverage options, competitive pricing, and industry-specific solutions.

Ongoing Policy Stewardship

Our commitment doesn’t end once a policy is placed. We continuously monitor changes in your business, review policies mid-term, and proactively recommend adjustments to keep your protection current and effective.

Dedicated Claims Advocacy

We take full responsibility for guiding you through the claims process. From first notice to final resolution, we advocate on your behalf—ensuring timely, equitable outcomes while minimizing operational disruption.

A Long-Term Strategic Relationship

Briggs Agency is more than a service provider—we’re a strategic partner invested in your success. We build strong relationships, provide regular updates, and deliver ongoing support tailored to your goals.

Industries We Serve

We bring deep industry expertise to a range of sectors, including:

  • Construction & Contracting
  • Professional & Financial Services
  • Manufacturing & Distribution
  • Retail & Hospitality
  • Startups & Growth-Stage Enterprises

Each engagement begins with a detailed understanding of your sector’s unique risks and regulatory landscape, enabling us to deliver precise, effective solutions.

Why Briggs Agency Inc.

Independent & Objective: We work for you—not the carrier.

Relationship-Driven: We prioritize long-term partnership, not policy volume.

Responsive & Agile: Fast turnaround times, direct communication, and zero bureaucracy.

Expert-Level Guidance: Backed by years of industry experience and specialized knowledge.

Client Outcomes

Partnering with Briggs Agency Inc. has helped our clients:

  • Reduce total cost of risk through smart coverage alignment
  • Close insurance gaps that posed legal and financial exposure
  • Streamline operations by eliminating administrative insurance tasks
  • Improve claims outcomes with direct advocacy and faster resolution times
  • Gain peace of mind with a trusted partner who proactively manages insurance

Next Steps: Let’s Talk

If you’re looking for a higher standard of service, smarter coverage, and a partner who treats your business like their own, it’s time to consider a new approach to insurance.

Let Briggs Agency Inc. serve as your outsourced business insurance department.

Schedule a Consultation: 219-769-4840

Visit: www.briggsagency.com

Navigating the World of Insurance for Special Events

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Imagine organizing a milestone celebration, corporate event, or wedding for months or even years, only to have everything fall apart due to an unforeseen circumstance. A vendor’s failure to show up, inclement weather, or last-minute cancellations can all cause problems. Special event insurance can help with that.

This article will explain what special event insurance is, the numerous kinds of coverage that are available for events like weddings and parties, and how to pick the best policy to safeguard your special day from unforeseen circumstances.

What Is Special Event Insurance?

A short-term coverage that covers a particular one-time event is known as special event insurance. It is intended to shield the host (you!) from monetary losses brought on by unforeseen obligations or interruptions. Anyone organizing a big event, whether for personal or professional reasons, needs this type of insurance.

Two primary categories of coverage exist for exceptional events:

Coverage for Event Cancellations
Coverage for Event Liability

Event Cancellation Insurance: Protecting Your Investment

You’ve paid deposits, booked venues, and arranged for catering. But what if a hurricane hits, the venue closes unexpectedly, or a key family member falls ill?

Event cancellation insurance reimburses you for non-refundable expenses if your event is postponed or canceled due to reasons outside your control. This could include:

  • Weather-related issues

  • Sudden illness or injury

  • Venue or vendor bankruptcy

  • Military deployment

This type of coverage is especially crucial for weddings and outdoor events, where uncontrollable variables can have a major impact.

Event Liability Insurance: Covering Accidents and Damages

Organizing an event frequently entails managing a crowd, which carries dangers.
Property damage or bodily injury sustained during your event is covered by event liability insurance.

Among the examples are:

At your celebration, one of your guests’ trips and falls.

The property of the venue is damaged by someone.

Incidents involving alcohol (which frequently call for a separate liquor liability add-on)

Particularly for weddings or big gatherings, many locations need evidence of liability insurance before allowing you to sign a rental agreement.

Tailoring Coverage to Your Event Type

Risk variables vary depending on the occurrence. This is a brief guide:

Weddings: liability, weather delays, vendor problems, jewelry coverage, and cancellation

Private Parties: Liability for alcohol, accidents to visitors, and property damage

Media/advertising liability, equipment coverage, and general liability for corporate events

Festivals and concerts are examples of public events that call for more extensive liability coverage and occasionally crowd management strategies.

The number of guests, the venue, the kind of event, and whether or not alcohol is offered all effect what you need to know.

Tips for Choosing the Right Policy

Get started early: According to certain policies, you must buy insurance at least thirty days before to the occurrence.

Examine the exclusions: Be aware of what is not covered, such as pandemics in certain situations.

Inquire at the location: They can have particular insurance needs.

Compare quotes: Prices and coverage vary greatly, so don’t choose the first supplier.

Think about bundling: If you’re purchasing both liability and cancellation insurance, some insurers provide bundle discounts.

Celebrate Without Worry

We treasure special occasions; don’t let unforeseen accidents take center stage. Knowing the many kinds of event insurance and selecting the appropriate coverage can give you peace of mind and guarantee that your special day goes as planned.

You may concentrate on creating memories rather than controlling risks if you have the proper policy in place.

You can experience the benefits of being a part of a full-service Independent Insurance Agency today! Simply contact Briggs Agency, Inc. if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

Blog post written by: Caden Gliva

Insurance Considerations for Electric and Hybrid Vehicles

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The Future of Driving Comes with a Price Tag

Auto insurance is an often-overlooked item that deserves consideration as more drivers choose electric and hybrid vehicles to lower carbon footprints and save fuel. In addition to transforming the roadways, EVs and hybrids are also impacting how insurance companies evaluate risk and determine rates.

Are Insurance Rates Lower for EVs and Hybrids?

While these cars save a lot of gasoline and are excellent for the environment, their initial expense and advanced technology frequently result in higher insurance rates.

Increased vehicle cost: Since EVs and hybrids are often more valuable on the market, their claims may be more expensive.

Repair complexity: More expensive servicing and lengthier repair times are frequently associated with the specialized parts and mechanics needed for EV repairs.

However, certain insurers provide green incentives or discounts for driving eco-friendly vehicles, which could help offset these expenses.

Specialized Coverage Needs

Certain parts of electric and hybrid cars, such as high-voltage batteries, call for certain insurance considerations.

Battery coverage: It might cost hundreds of dollars to replace a damaged battery. Verify if your policy covers battery damage that occurs outside of warranties.

Equipment for charging: A typical auto coverage may not cover your home charging station. It may need to be covered by your renters’ or homeowners’ insurance.

Unpleasant impacts following a claim can be avoided by being aware of what is and is not included.

Risk Assessment: The Contribution of Usage and Safety

EV and hybrid drivers can profit from the belief that they are more cautious.

Driving habits: Based on mileage or driving history, some insurers view owners of hybrid and electric vehicles as lower-risk drivers.

Safety features: A lot of these vehicles have cutting-edge safety equipment that can lower insurance costs and lessen the incidence of accidents.

However, your insurer’s risk assessment may be impacted by the usage of data gathered from analytics or integrated systems to track driving behavior.

Selecting the Best Insurer

Different insurance companies have different policies for hybrid and electric cars. Some are more EV-friendly, providing better claim processing, discounts, and tailored policies.
  • Seek out hybrid savings or green car initiatives.
  • Find the best value, not just the cheapest premium, by comparing rates.
  • To be sure the special parts of your car are completely protected, read the fine print.

Getting coverage that fits your car, and your ideals can be facilitated by doing your research.

Make sure to Drive Smart, Insure Smarter

In addition to being an excellent choice for the environment, switching to an electric or hybrid car can also be a wise financial one with the correct insurance plan. Advanced technology and repair expenses may result in higher rates, but using eco-discounts, purchasing wisely, and knowing what you need covered can significantly lower your costs.

In conclusion, being environmentally conscious doesn’t mean sacrificing coverage; be aware of your options and properly purchase insurance!

 

You can experience the benefits of being a part of a full-service Independent Insurance Agency today! Simply contact Briggs Agency, Inc. if you are interested in an insurance review at 219-769-4840 or visit our website at www.BriggsAgency.com. We look forward to hearing from you!

Blog post written by: Caden Gliva