Claims FAQ

Frequently Asked Claims Questions

Answers to the questions you might have about the claims process.

General Information…

How do I report a loss?
Please contact your agent. They will assist you in the claims process and help you get the information we need to process your claim quickly and efficiently. Visit the “Report a Claim” page for more information on the claim process. 

What do I do after an accident or loss?
The actions you take after a loss are important and can impact how your claim is handled. Please visit the "Report a Claim" page for general instructions relating to your type of claim. We also recommend reviewing the Conditions section of your policy which outlines your responsibilities.

How do I know if my claim is covered?
You may want to begin by reviewing the coverage outlined in your policy. Your agent is also a good resource of information. Once a claim is submitted, you or your agent is able to connect with the North Star Representative working on your claim. You can also contact your Claim Adjuster if you have any questions regarding what is, and is not, covered under your policy.  

How long will it take to resolve my claim?
It depends on the complexity of the claim. North Star Claim Representatives will work to resolve your claim as quickly and efficiently as possible. Complex claims can involve several parties or serious injuries and may take longer than a more straight forward claim. North Star prides itself on responsiveness throughout the claims process.  We will maintain open communication with you and your agent in order to keep the process moving forward.  

What if I need to make repairs?
Our goal is to determine the best way to bring your property back to pre-loss condition, however, North Star Mutual cannot authorize any repair person to proceed with repair of your property. Repairs should only proceed with your authorization. Any repair person is hired by you, and works for you, not North Star Mutual. We also are not able to guarantee the quality, workmanship or timeliness of any repair completed by a repair person.

How are payments handled?
If a deductible applies, you would be responsible for that amount. North Star Mutual would pay for the remaining portion of the covered loss (up to policy limits). If you have a mortgage or lien holder listed on the policy, they must also be placed on the check. We are not able to remove a mortgage or lien holder from payment.

What is a deductible?
The deductible is the amount you agree to contribute in the event a covered loss occurs.  Subject to all other policy provisions, North Star will pay the remainder of the covered loss after the deductible. You can change your deductible by contacting your agent. 

Will I have a deductible if the claim is not my fault?
Yes, your policy requires you to pay the deductible. North Star will then provide a reimbursement should that cost be recovered from the responsible party. 

Should I file a claim if I don’t think the cost of my loss will exceed my deductible?
You may want to discuss this with your agent and consider whether the loss should be submitted for review. 

Will my premium increase if I file a claim?
There are many factors involved in calculating premium. Generally, claims resulting from ‘acts of God’ would not impact your rate or premium. 

Will my policy be cancelled if I file a claim?
Filing a claim is not a basis for cancelling a policy. Occasionally a high risk policy will be cancelled in order to help maintain affordable rates for all of our customers. A high risk policyholder could include someone who has many prior claims or exhibits high risk behavior.