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Friday, 15 March 2019 14:56

Claim's FAQ

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Want to be prepared in case you ever have to submit a claim? Read these frequently asked questions below. As always, feel free to call our claims department should you need to submit a claim or if you have any questions. 


Q: This is my first claim. What should I do?

A: If you have a claim, or if an event has occurred that could give rise to a claim, contact your insurance agent immediately. The agent will help you fill out the necessary paperwork to expedite your claim. Also, at this time, you should discuss with your agent how you might preserve and protect the damaged property to mitigate further damages. To find your agent’s telephone number, please look on your Otsego Mutual policy.


Q: Is this covered under my policy?

A: Please refer to your declaration page along with the policy forms/endorsements. If you need a copy of your policy information feel free to contact your agent or an Otsego Mutual representative. If you have any additional coverage questions please contact Otsego Mutual claims department.


Q: Does my deductible apply to every claim? How do I find out what my deductible is?

A: Yes, however with some exceptions - to inquire contact our office. To find out the amount of your deductible, please refer to your declaration page. The deductible will be listed directly under "Property Coverages". 

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