Start the Claims Process

Reporting a loss means you’re letting McClone know something happened, it doesn’t mean a claim is being filed. Once we understand your situation, we’ll help you decide if submitting a formal claim is the right next step, or if there’s a better approach based on your coverage and goals.

As soon as it’s safe to do so. Once you’ve taken steps to protect people and property, let us know what happened even if you don’t have all the details yet. The sooner we’re aware, the sooner we can help guide your next steps. If the incident occurs outside business hours and isn’t an emergency, gather what you can and reach out during regular hours. We’ll take it from there.

No, you can report the incident to McClone first. We’ll handle the communication with your carrier and walk you through what they’ll need. This ensures nothing is missed and that the claim is handled the right way from the start.

Start with what you know: when it happened, what occurred, and any photos or documentation if you have them. Don’t worry if you don’t have every detail, we’ll help you fill in the blanks and prepare the next steps. 

That’s exactly why you start with us. We’ll help you understand your options, including potential impacts on premiums or timelines. Together, we’ll decide if filing is the right move or if there’s another path forward. 

Yes. If it’s an emergency, call our 24/7 emergency line. If it’s not urgent, you can still report it online or gather what you need and reach out during business hours. We’ll be ready to support you either way. 

Reporting to McClone won’t impact your rates, but submitting a claim might. That’s why we talk it through with you first and help you weigh the pros and cons before anything is filed with the carrier. 

It depends on the situation and the type of claim. Some are resolved quickly, while others take more time. Either way, we stay involved to help things move smoothly and make sure you always know what’s happening next.