Claims

When something happens, the last thing you want is confusion about what to do next. CRG is here to help guide you through the claims process, answer your questions, and make sure you know the right next step based on your policy situation.

File A Claim

More Than Coverage—
Real Support When It Matters

HOW WE SUPPORT YOU

Our promise has always been simple: you’re more than covered here. When you choose CRG, you’re not just getting a policy—you’re gaining a dedicated team ready to step in, guide you, and advocate for you when it matters most.

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How to file a claim

Step 1: Contact Us

Call CRG as soon as possible. Have your policy number, photos, and any details about the incident ready.

Step 2: Share the Details

We’ll help gather the important information, review your policy, and guide you on how the claim should be submitted.

Step 3: Work With Your Carrier

Once the claim is filed, your insurance carrier will assign a claims representative who will review the details, explain the process, and follow up with next steps.

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What happens after I file a claim with CRG?

Every claim is unique, but our goal is to make the experience as smooth and predictable as possible. Here’s what you can generally expect throughout the process:

Timeline

Claim timelines can vary depending on the complexity of the situation. Minor claims may be resolved quickly, while larger or more complex claims may require additional time for inspections, documentation, and review. We’ll help you understand what to expect based on your specific situation and keep you informed along the way.

Advocate

To ensure your claim is handled efficiently, you may work with multiple representatives, including claims specialists, adjusters, or approved vendors. While your point of contact may occasionally change, each person involved is working together to move your claim forward as quickly and thoroughly as possible. Chris Ross Insurance Group remains available to support you every step of the way.

Process

While details may vary, most claims follow a structured process:

  • Information Gathering
    Collecting all necessary details about the incident, including documentation, photos, and any supporting reports.

  • Inspection (If Needed)
    Scheduling on-site inspections or requesting additional information to fully assess the damage.

  • Coverage Review
    Carefully reviewing your policy to determine what coverage applies to your claim.

  • Claim Resolution
    Finalizing the claim based on the investigation and coverage determination, including next steps for repairs, payments, or closure.

Frequently Asked Questions

  • You have options! 

    • *Preferred* Reach out to your assigned Claim Advocate  

    • If your schedule’s a little too tight for a call, you can also send a quick email to cross3@farmersinsurance.com requesting an update, along with your claim number or policy number

    • Lastly, you can always call (916) 788-4215

  • We recommend discussing with your agent prior to filing a claim on whether it makes sense. We’re here to help guide you based on your specific circumstances.

  • Provide complete info, photos, and be available for questions. If you have third parties involved, encourage them to be quick to respond as well.

  • We want to make sure we accurately assess everything. Speaking with a live person will ensure everything is accurate.

  • Call us at (916) 788-4215

  • There are many reasons to file a claim. Here are some examples: 

    • If something unexpectedly takes place and you’re unsure of if your policy covers it. 

    • If the cost of the damage to your property is higher than the deductible. 

    • If living in your home is a potential health or safety risk. 

    • If you caused damage to someone else’s property. 

  • CRG policy number, incident details, photos, any documentation.

  • Usually within 4 hours during business hours, or by the next business day.