Claim Reporting
We open the claim, deliver the notice to the correct carrier, and confirm receipt — so nothing sits in an inbox on day one.
◇05 — Claims Advocacy
Claims Advocacy.
When the unexpected happens, we help guide you through every step of the claims process with clarity, communication, and confidence.
◇ When Something Goes Wrong
You won't face it alone.
Filing a claim can be stressful. Operations may be interrupted, questions arise quickly, and timelines start to matter. Our role is to simplify the process, advocate for our clients, and move claims toward resolution as efficiently as the facts allow.
Insurance is only as valuable as the support received during a claim. The same advisor who placed the coverage stays with the file from first notice through resolution — answering the phone, reading the policy, staying engaged with the carrier, and helping make sure nothing important is missed.
Dedicated Point of ContactProactive CommunicationCoverage GuidanceOngoing CoordinationDocumentation SupportResolution Advocacy
◇ How We Help
Support at every stage of a claim.
Coverage Review
We read the applicable policies against the facts of the loss and explain, in plain English, what coverage should respond and how.
Ongoing Coordination
We stay informed, help facilitate communication with adjusters and examiners where appropriate, and follow up to help support prompt attention.
Documentation Assistance
We help organize the estimates, invoices, photos, and records that support the claim and shorten the path to payment.
Communication Support
We translate carrier requests into clear next steps and keep everyone — client, adjuster, contractor — moving in the same direction.
Status Tracking
We monitor progress and follow up on our clients' behalf, so files don't stall waiting on the next question or approval.
Claim Advocacy
When a coverage question or valuation deserves a second look, we press the issue with the carrier — professionally and persistently.
Resolution Assistance
We help evaluate settlements, confirm releases are appropriate, and make sure the file closes cleanly.
Business Recovery Guidance
For business losses, we help think through operations, temporary arrangements, and the path back to normal alongside the claim itself.
◇ Our Claims Process
A clear path from first notice to resolution.
Step 01
Loss Occurs
Something has happened — a storm, an accident, an incident. The first priority is safety; the second is a phone call.
Step 02
Early Guidance
We listen and help you think through what needs to happen first — protection of property, notification of authorities, temporary repairs.
Step 03
Claim Reporting
We report the claim to the carrier with the details that matter, so the file starts in the right place with the right information.
Step 04
Coverage Review
We review the applicable policies against the facts and explain what coverage should respond, what deductibles apply, and what to expect.
Step 05
Ongoing Coordination
We help keep you connected with the assigned adjuster, assist with next steps, and stay engaged as specialists come and go from the file.
Step 06
Documentation Support
We help gather the estimates, receipts, photos, and records the carrier needs — and format them so the file moves.
Step 07
Ongoing Communication
We check in regularly, translate carrier updates, and flag decisions that require your attention before they become urgent.
Step 08
Resolution
We review proposed settlements, confirm the numbers reflect the loss, and make sure releases are appropriate before anything is signed.
Step 09
Post-Claim Review
After the file closes, we sit down and look at what happened — how the program responded, and whether anything should change before renewal.
◇ What Clients Can Expect
The experience of working through a claim with us.
A dedicated point of contact.
One named person who knows your business, your policies, and your file — not a queue, not a case number, not a rotating team.
Clear communication.
Straight answers about what's happening, what's next, and what we're waiting on — delivered in plain English, not carrier shorthand.
Help understanding policy language.
We read the policy language against the facts of the loss and explain — carefully — what it means for your specific claim.
Help staying connected with adjusters.
We help facilitate communication with the adjuster where appropriate and follow up on open items, so you can focus on running your business or your household.
Assistance organizing documentation.
Estimates, invoices, photos, receipts, and correspondence — organized, complete, and delivered in the format the carrier needs.
Regular claim updates.
Scheduled check-ins so the file never goes quiet — and an early call whenever a decision needs your attention.
Advocacy throughout the process.
When coverage or valuation deserves a second look, we press the issue with the carrier on your behalf, professionally and persistently.
Professional guidance from beginning to end.
The same advisor who placed the coverage stays with the file from first notice through resolution — and through the post-claim review after.
◇ When Claims Happen
A few of the situations we work through with clients.
A commercial property suffers storm damage.
We report the loss, help facilitate the adjuster inspection, help engage a public estimator when it's warranted, and stay with the file through repairs and business interruption.
A contractor experiences equipment theft.
We work through inland marine and installation floater coverage, help document what was lost, and coordinate rental equipment while replacements are sourced.
A vehicle is involved in an accident.
We open the claim, connect you with a repair network when it helps, and stay involved with the adjuster on liability, medical, and rental coverage questions.
A customer alleges property damage.
We report the claim to the general liability carrier, help preserve the facts and photos, and let the carrier's defense team take the front line while we stay on the file.
A business experiences a cyber event.
We help engage the carrier's breach coach, forensics, and notification vendors — the response resources purchased months earlier — as fast as possible.
A pipe bursts causing business interruption.
We coordinate mitigation, document lost income and extra expense correctly, and work the property and business interruption pieces of the claim in parallel.
◇ Working Together
What it’s like working with AB Hurley.
- ◇ 01
We answer the phone.
First notice of loss is stressful. The single most useful thing we do at that moment is pick up — with a person who knows your business and can tell you what happens next.
- ◇ 02
We communicate proactively.
You should never have to wonder where a file stands. Regular updates, early notice when a decision is needed, and a clear line of sight from first notice to resolution.
- ◇ 03
We explain what happens next.
Every step of a claim comes with a reason and a rough timeline. We walk through both — before, during, and after — so nothing about the process feels like a surprise.
- ◇ 04
We stay engaged with the carrier.
Adjusters, examiners, engineers, defense counsel — the number of people on a claim can grow quickly. We help keep relevant parties connected, follow up where appropriate, and help resolve communication gaps. Carrier claims administration remains with the carrier, but we stay in your corner throughout.
- ◇ 05
We remain involved until the claim reaches resolution.
Files don't leave our desk when the estimate is submitted. We stay engaged through payment, repair, and closure — and we're the first call if anything reopens.
- ◇ 06
We advocate for our clients every step of the way.
When coverage or valuation deserves a second look, we press the issue professionally and persistently. Advocacy is a quiet part of the work, and often the most important.
◇ Common Questions
Questions we hear most often after a loss.
Have a specific question about a claim or a loss? Talk to our team directly.
Contact Our TeamSupport when it matters most.
No one hopes to experience a claim — but having the right advisor beside you makes the process considerably easier. Whether you're dealing with a loss today or preparing for the possibility, we're here to help you think it through.