What Is a Deductible?

The deductible is the portion of a covered loss you pay before the insurance company becomes responsible for payment under the policy.

Why Do I Need to File a Claim if Damages are Less then My Deductible?

You buy insurance to help protect you in case of a covered loss, so filing a claim could help protect you in case there are covered damages or injuries discovered later.

Do I Need to File a Police Report for Vandalism or Theft?

Yes. The policy conditions state you must file a police report for theft.

What's a Public Adjuster and Do I Need to Hire One?

A public adjuster or solicitor may contact you shortly after a loss seeking to assist you in making a claim against Argus. Public adjusters are independent claim adjusters and are not associated in any way with Argus. For their services, public adjusters charge you a fee based on the total value of your settlement. These fees may be considerable and are not reimbursable under your Argus policy. As an Argus policy holder, you don't need to hire a public insurance adjuster to settle your insurance claim. An Argus claim representative, experienced in making claim settlements, will tell you what paperwork is necessary to finalize your claim. Of course, the decision is yours to make.

What Will I Need to Show Proof of Ownership for Property Stolen From My Home?

Yes. Providing any of the following will help support your claim: receipts, owners manuals, warranty cards, appraisals, photographs or original manufacturers boxes

My Home Is Not Safe to Live in Due to the Damage. Will My Insurance Cover the Cost for Temporary Living Arrangements?

If your policy has a coverage Additional Living Expenses and a direct physical loss we cover makes your home uninhabitable then your policy must pay for the reasonable increase in living expenses necessary to maintain your normal standard of living. Check your Argus policy to see if you have coverage for Additional Living Expenses and what your limits are. A claim representative can assist you with these and other questions. Keep your receipts for additional living expenses during this time.