Claims: What to Do When Something Happens

When something unexpected happens, knowing what to do next can make a stressful situation much easier. The guidance below will help you take the right first step.

Start Here First

For most claims, the fastest way to begin is to:

• File the claim through the ERA mobile app, or
• Submit the online claim form (https://www.eliteriskagent.com/file-a-claim)

These options ensure your claim is time-stamped and routed directly to the carrier without delay.

Claims Decision Guide

Auto Accident (No Injuries)

• Ensure everyone is safe
• Document the scene if possible
• File the claim through the app or online.
  
  

Auto Accident (Injuries Involved)

• Call emergency services immediately
• Seek medical attention
• Once safe, file a claim through the app or online
  
  

Property Damage

• Take steps to prevent further damage if it is safe to do so
• Document the damage with photos or video
• File the claim through the app or online
  
  

Theft or Vandalism

• File a police report
• Document any damage or missing items
• Submit the claim through the app or online
  
  

During Major Weather or Catastrophic Events

During widespread events such as severe storms, freezes, fires, or other natural disasters, insurance carriers often experience extremely high claim volumes.

During these times:

• Carrier systems may be overwhelmed
• Phone wait times can be significantly longer than normal
  
  

Start With ERA First (Important)

If you experience damage during a major weather or catastrophic event, please contact our office first before reaching out to the insurance carrier directly.

Starting with ERA allows us to:

• Ensure your claim is reported correctly
• Help avoid unnecessary delays or missteps
• Assist with documentation and next steps
• Advocate on your behalf with the carrier
  
  

This applies even during widespread events.

What Helps Claims Move Fastest

Once you’ve contacted ERA, the fastest way to move your claim forward is to:

• File the claim through the ERA mobile app (we can guide you if needed) or online at https://www.eliteriskagent.com/file-a-claim. (You can obviously call as well, but in the event of a catastrophic weather event in our area, it may be hard to get through as quickly as you would like. In that case, the online form or app will be the quickest way to get your claim started.)
• Upload photos or videos of the damage as soon as it is safe
• Keep receipts for any temporary or emergency repairs
  
  

Submitting claims digitally helps ensure everything is properly time-stamped and routed while allowing us to stay involved throughout the process.

Our Role During Catastrophic Events

We actively monitor carrier systems and claim activity during major events. While response times may be longer than usual due to volume, contacting ERA first ensures we can support you, track progress, and step in when needed.

Our goal is to help your claim move smoothly while reducing stress during an already difficult situation.