- What if my home is burglarized?
Here are a few tips to help if you should encounter such a situation:
- If you suspect a burglar is still in the house, don’t go in! Go to a neighbor’s house to call the police.
- Wait until the police arrive before you enter and begin to take an inventory of what is missing. Don’t touch anything. The police may dust for fingerprints.
- Provide police with whatever information they require. Ask the investigating officer where you can obtain a copy of the police report. Make sure you write down the names and badge numbers of the police officers.
- Do not return to your home until officials declare it is safe to do so.
- Notify your Farmers agent. Make sure your representative knows where to contact you.
- Make a detailed list of all damaged or destroyed personal property. Use pictures to help assess the damages.
- Keep all receipts. Don’t rush into signing repair contracts.
- As soon as you and your family are safe, call HelpPoint® Claim Services at 1-800-435-7764 for assistance when you need it most.
Farmers also provides the following tips for surviving a fire in your home:
- What if someone has an accident on my property or my pet bites someone?
The Insurance Institute estimates that up to one-third of homeowner liability claims are for dog attacks. What to do:
- Make sure the injured person gets prompt medical attention.
- Exchange names, addresses, and phone numbers.
- Tell the person who was bitten to save medical receipts. Assure them that your Farmers agent will contact them.
- Call your Farmers agent. Provide the information about the incident, the name and phone number of the victim and have your policy number on hand.
- Report the dog bite to your local animal control center.
- At the moment of crisis call HelpPoint® Claim Services at 1-800-435-7764 for assistance when you need it most.
If you own a dog:
- Spay or neuter your dog to reduce aggressive tendencies.
- Never leave infants or young children alone with the dog.
- Do not play aggressive games, like wrestling, with your dog.
- Teach children basic safety guidelines around the dog and review them frequently.
If you are threatened by a dog:
- Remain motionless. Do not run or scream.
- If knocked down by the dog, lie still, cover your face and neck and remain in a ball.
- If bitten by the dog, immediately report the bite.
- Report stray dogs or dogs showing unusual behavior to your local animal control center.
- What if my home is damaged in a storm?
What to do before the storm:
- Make sure you have a record of your personal property.
- Keep important papers safe. Keep photo copies of your important personal and financial papers in a safe place away from your home.
- Preserve your photos. Store negatives in a safe place away from the house or make copies and do the same.
- Look around and assess the risks to your home. For instance, trimming tall trees near your house will prevent them from falling during a storm and causing damage.
- If tornados are a threat, consider building a safe room within your house.
What to do after the storm:
- Check people around you for injuries. Begin first aid or seek help if necessary.
- When you go outside, watch out for downed power lines.
- Beware of fire hazards such as broken gas lines.
- Make temporary repairs to prevent loss from rain, wind, or looting. Keep all receipts for work done on your property.
- Avoid using electrical appliances that have been exposed to water until they’ve been checked by a technician.
- Notify your Farmers agent as soon as possible. Make sure your agent knows where to contact you.
Take pictures and use a Home Inventory List to help your assess the damage. At the moment of crisis call HelpPoint® Claim Services at 1-800-435-7764 for assistance when you need it most.
- Itemize all personal property including furnishing, clothing and valuables. Keep your photographs, videotapes and important papers in a safe place, such as a safe deposit box.
- Keep a portable radio, flashlights with extra batteries in working order.
- Keep your car’s gas tank at least half full. Gasoline pumps will not work if electricity is cut off because of a flood.
- Buy flood insurance because it can mean the difference between financial devastation and a fresh start after a flood. Contact you Farmers Agent for more details.
- Prior to entering a building, check for structural damage. Make sure it is not in danger of collapse.
- Upon entering the building, do not use an open flame as a source of light, since gas may still be trapped inside. Always use a flashlight.
- Cover broken windows and holes in the roof or walls to prevent further weather damage.
- Contact your Farmers Agent immediately to begin claim processing.
At the moment of crisis call HelpPoint® Claim Services at 1-800-435-7764 for assistance when you need it most.
- What if I become a victim of identity theft?
Here are steps you can take now to stop thieves from stealing your good name:
- Do not give out personal information, such as account or credit card numbers, on the phone or over the Internet unless you have initiated the contact. Identity thieves could pose as bank officials, Internet providers or credit card company representatives. Remember: Those with a right to this information (such as your bank) should already have it and shouldn’t need to request it over the phone.
- Report lost or stolen checks immediately and properly store canceled checks. Examine new checks to be sure that none were stolen during shipment, and store them in a safe and secure location. Destroy unused financial solicitations before discarding them, and tear up other financial documents such as statements or receipts before discarding them.
- Guard your automated teller machine (ATM) number, and treat your receipts with care. Leaving them behind or throwing them in the trash could leave them vulnerable to thieves, who could use them to access your accounts.
- Make sure your mailbox is secure, and promptly remove mail after delivery. Identity thieves often raid mailboxes to obtain credit card offers and financial statements.
- Contact the major credit-reporting companies at least annually to review their file. A copy of their credit report is available for a small fee.
The three major credit bureaus are:
- Equifax: (800) 685-1111
- TransUnion: (800) 916-8800
- Experian: (888) 397-3742
Steps to Report Identity Theft:
- Contact your bank or credit union to protect your accounts.
- Contact your credit card suppliers.
- Contact the Social Security Fraud Hotline: (800) 269-0271.
- Contact the Federal Trade Commission (FTC) Identity Theft Hotline: (877) IDTHEFT or (877) 438-4338.
- Contact your Farmers agent to file a claim against your Identity Fraud Expense coverage endorsement.