Claims Support
Filing an insurance claim shouldn't be something you have to figure out alone. When you work with risk|x, we file the claim, deal with the carrier, and advocate for a fair outcome. You focus on your business.
This isn't just a service we offer — it's the reason we exist. Placing a policy is step one. Standing behind it when it matters is what separates a broker from a website.
Step by Step
Something happened? Reach us at (800) 400-8398 or email [email protected]. Tell us what occurred, when, and where. Don't worry about having all the details — we'll guide you through what we need.
Tip: Take photos of any damage or injuries if it's safe to do so. These help the adjuster later.
We handle the paperwork. We'll file the claim with your carrier, provide all the documentation they need, and make sure nothing falls through the cracks. You don't have to call the carrier yourself.
Tip: Keep any receipts, invoices, or records related to the incident. We'll let you know exactly what the carrier needs.
This is where having a broker matters. We don't work for the carrier — we work for you. If the adjuster lowballs the settlement or drags their feet, we push back on your behalf.
Tip: Don't accept a settlement offer without talking to us first. We'll make sure it's fair.
Once the claim is settled, we review your policy to make sure you're still properly covered. If the claim exposed a gap, we'll recommend adjustments so it doesn't happen again.
Tip: A claim doesn't automatically raise your rates. We'll explain what to expect at renewal.
Quick Reference
If you're dealing with an active situation, here's what to do before you contact us.
Real-World Scenarios
Every industry faces different risks. Here's how we've handled real claims for businesses like yours.
A framing subcontractor accidentally drove a nail through a water line during a kitchen remodel. Water flooded the homeowner's first floor, damaging hardwood floors, drywall, and personal belongings. The homeowner demanded $47,000 in repairs.
How we handled it:
We filed the claim under the GC's general liability policy within an hour of the text. The adjuster was assigned same-day. We coordinated between the sub's carrier and the GC's carrier to establish proper coverage, and the homeowner was made whole in 3 weeks — no out-of-pocket cost to our client.
A box truck driver was rear-ended at a stoplight and then pushed into the car in front. Both vehicles sustained damage, and the driver of the front car claimed neck and back injuries. The police report was ambiguous on fault.
How we handled it:
We immediately notified the commercial auto carrier and secured a copy of the police report and dashcam footage. The carrier's adjuster determined our client was not at fault for the initial impact. The bodily injury claim was handled entirely by the carrier's legal team — our client never had to appear in court.
A customer slipped on a freshly mopped floor near the restroom and fractured their wrist. They were taken to the ER by ambulance and later retained an attorney. The demand letter asked for $85,000 in medical bills and pain and suffering.
How we handled it:
We filed under the restaurant's general liability policy and provided the carrier with the incident report, security camera footage, and witness statements. The carrier negotiated the settlement down to $32,000 — covered entirely by the policy. We also helped the owner implement wet-floor signage protocols to prevent future incidents.
A chiropractic patient claimed a cervical adjustment caused a herniated disc and filed a malpractice complaint. The patient's attorney sent a demand letter for $120,000 in damages and lost wages.
How we handled it:
We activated the professional liability (malpractice) policy immediately. The carrier assigned a defense attorney who specialized in chiropractic malpractice. After reviewing treatment records and imaging, the case was settled for $28,000 — well within policy limits. Our client's license was never at risk.
Not necessarily. A single claim rarely triggers a rate increase. Multiple claims in a short period can affect your renewal, but we'll re-shop your policy to make sure you still have the right coverage at the right price.
Simple claims (minor property damage, straightforward GL incidents) often resolve in 2-4 weeks. Complex claims involving injuries or litigation can take months. We keep you updated throughout.
It depends on your policy. Some policies require pre-approved vendors; others give you flexibility. We'll clarify this before you commit to any repairs or services.
We review every denial. If we believe the denial is wrong, we'll appeal on your behalf. Having a broker in your corner makes a real difference in these situations.
When you buy insurance direct or through an online platform, you're on your own when something goes wrong. You call the carrier's 1-800 number, sit on hold, and hope for the best.
With risk|x, you text a real person who knows your policy, knows your business, and will fight the carrier on your behalf if needed. That's the difference between having insurance and being insured.
This is the kind of support you get when you work with us. No fees. No runaround. Just real coverage backed by real people.
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