Claim Process - Questions and Answers

For questions regarding the purchase of policies, policyholders may call Worth Ave. Group:

1-800-620-3307.

The Claims Department does not address policy questions.

For questions concerning claims only, please call 1-800-620-3307 ext. 7918.

You may also email the Claims Department directly at: claims@worthavegroup.com.

THEFT:

(1) The policy holder must obtain a report documenting the theft from the local police department.

(2) If there is a charge for the report, the cost can be reimbursed by submitting a receipt with claim forms.

(3) If the policyholder is told that the request for the theft report must be initiated by the Insurance Company, note that on the claim form. Include the phone number (with area code) of the law enforcement unit.

(4) For any one item valued over $100.00, proof of ownership is required. This is accepted in the form of a sales receipt. If the original box is available, a copy of the box with original UPC or the original owner’s manual will be accepted. Only one proof of ownership is needed. If the theft involves a computer, the Computer Check List must be completed, unless the receipt specifically states the specifications of the computer.

DAMAGED ITEMS:

(1) All damaged electronics, excluding iPod's, cell phones, and point-and-shoot digital cameras, must be taken to a repair company to determine if the item is repairable. If the item is repairable, the technician must provide an Estimate of Repair. This estimate should be submitted along with the Main Form and other paperwork.

(2) Damaged iPod's, cell phones, and point-and-shoot digital cameras need to be sent in with the claim forms to prove ownership and damage.

(3) If damages are caused by power surge due to a lightning strike, request the Electrician’s Affidavit via claims@worthavegroup.com. The technician will complete the form, indicating whether or not the item can be repaired. If repair is possible, the cost of repair should be included.

(4) If the technician determines that the equipment is not repairable, this must be in writing. We do not accept quotes.* If the repair company is not willing to put this in writing, our office may require that either a picture of the damaged item be submitted, or if the item is small enough, we may ask that it be mailed to our office. Shipping costs will be reimbursed.

(5) For damaged items, proof of ownership is established by securing an Estimate of Repair on the repair company’s letterhead or invoice or by sending in the actual damaged item.

(6) IMPORTANT!!! DO NOT DISPOSE OF ANY DAMAGED ITEMS UNTIL GIVEN PERMISSION FROM THE CLAIMS DEPARTMENT!!! Shipping costs will be reimbursed by the Claims Department.

*The difference between an Estimate of Repair and a quote is that the Estimate gives a detailed breakdown of costs. A quote is an estimated total of overall costs.

COMMON CLAIM QUESTIONS:

• Will my premium increase if I file a claim?

Your premium will never increase due to filing a claim.

• Will my policy be cancelled if I file a claim?

Under certain circumstances, we may cancel or non-renew a policy. This happens on rare occasions but an example of such is if you were to file multiple claims during one policy period.

• What is my deductible?

Your deductible is located on your Declaration Page and in Your Account information. It is either $25, $50 or $100 and is deducted from your claim reimbursement.

• Do I need to file a police report?

For any and all theft or vandalism claims, a police report is required to file the claim. Damage, natural disaster, and flood claims do not require a police report.

• My property was stolen out of my car, is that covered?

Property stolen from a vehicle is covered as long as there is visible evidence of forced entry. An example of this is a smashed window or broken lock. This evidence must be present for the property to be covered.

• How long does it take to receive payment?

Your claim will be processed in approximately 4 weeks.

• How do you determine replacement cost for my property?

Replacement cost is determined by your licensed adjuster. Your adjuster will research the make and model of the item stolen or damaged and award you with the corresponding replacement value of the same or similar model at current market value. For example, if a 30 gigabyte iPod® Classic is stolen, it would be replaced with a value for the current 160 gigabyte iPod® Classic available through Apple.com.

• My student is currently studying abroad and had their laptop stolen. Is that covered?

The policy holder is covered WORLDWIDE. No matter where they are in the world, they have complete coverage for their property.