Start the Claims Process

Reporting a loss simply means notifying McClone that something has occurred. It does not initiate a claim with your insurance carrier. After you report a loss, we’ll review the details with you, explain the options available, and help you determine whether submitting a formal claim to the carrier is appropriate for your situation.

If something happens and you’re unsure whether a claim should be filed, start by reaching out to McClone. We’ll walk through what occurred, outline the options, and help you understand factors like timelines, coverage considerations, and how different paths may impact you. From there, you can make an informed decision about whether to move forward with a claim.

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.

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

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. 

Letting McClone know about a potential claim won’t affect your rates. However, once a claim is formally submitted to the insurance carrier, it may be considered in future pricing. When something happens, we encourage you to contact us right away so we can review the situation with you, help you understand your options, and determine the best next steps before anything is sent to 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.