Filing a claim? What do I need to do!?

Kirkpatrick Insurance Services is here to keep insurance simple, so no matter the issue or size of your claim, please don't hesitate to reach out. We'd love to walk you through this.

Whether you call us or your carrier, or complete our online claim form, please have this information available:

  • Your policy number
  • Your contact information
  • A description of what was damaged/lost
  • Date and specific time of the loss
  • Note any personal injuries that occurred
  • Whether an ambulance was called, or fire or police departments were notified
  • Whether you believe you need to make temporary repairs

However you choose to reach us or your carrier, we will work closely with you until your claim is settled.

Carrier Contact Information



File a Claim Online

24/7 Claim Service Line 800.242.7666

American Modern

File a Claim Online

Claims Service Line  800.375.2075 

BristolWest | Foremost

File a Claim Online

Claims Service Line  800.274.7865

*available Monday - Friday 8am - 7pm EST  

Personal Umbrella

Please reach out to our office for support


File a Claim Online - Follow the 'Log-In" link

24/7 Claim Service Line 800.274.4499         


File a Claim Online

24/7 Claim Service Line 800.252.4633

What is the claims process?


Not all companies are the same but for the the most part, here are the basics.

Your claim will be assigned to an adjuster, and you will be given his or her name and phone number during your initial conversation. 

The adjuster assigned to your claim will contact you to gather more details about what happened. If an inspection is necessary, your adjuster will work with you to schedule a time and day for that inspection. 

Your adjuster will review all the information related to your loss, which may include: the results of the inspection, information you have provided, the terms of your policy, and any other necessary documentation.

Your adjuster will then discuss the resolution of your claim with you. If the damage is covered by your policy, you will receive a claims payment, minus any applicable deductible. Field adjusters commonly issue checks on the spot.

You can proceed with contacting a contractor or repair shop to fix what’s gone wrong. If at any time the dollar amount you have received isn’t enough to cover the repair estimates, please contact your adjuster.