Learn About the Claims Process for Your Property

Garfield Farm Mutual Insurance Association will assign an independent adjuster to estimate the loss. The adjuster is not our employee and has no reason to under‐report your claim. We hire top‐quality adjustment firms and expect them to show care and concern for your loss.

The adjuster will call you within 48 hours and make an appointment to review the damage with you. Please make sure the adjuster sees all the damage, inside and outside.

Proof of Loss Statement

The proof of loss statement will be mailed to you along with the adjuster’s estimate. If you believe the adjuster missed something or that the report is inaccurate in any way, we will work with you for an agreed settlement. We will advise you if additional information is needed.

When we receive your signed proof of loss, we will mail you a check for the estimated replacement cost, minus depreciation and your deductible. This is the actual cash value payment.

Your contractor can begin repairs that are shown on the estimate. If your contractor does not agree to complete the items for the estimated amount, call us immediately. Do not permit the repairs to continue until we have approved a supplemental payment. We cannot be responsible for repair overruns if we were not contacted in advance of the work.

Any upgrades or additional work outside the scope of the claim are not covered.
If your policy covers replacement cost, send us the final receipts with photos for the repairs. We will send you a check for the agreed/approved amount, minus the amounts for checks already sent as well as for deductibles.

We Want to Hear From You

Please give us your feedback on the adjuster and our handling of your claim. We are sincerely interested in your experience and seek opportunities to improve our service.