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Documentation & Planning

Documentation & Planning (3)

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". 

Tuesday, 09 August 2011 15:04

How to Develop a Family Disaster Plan

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ALBANY, N.Y. – State and Federal emergency management professionals encourage individuals and families to be ready in case there is an emergency. Every one should have a plan – know what to do and when to do it during an emergency – and have a fully-equipped emergency supply kit packed and ready-to-go.

You should be prepared to take care of yourself and family members for the first 72 hours – that's three days – following a disaster, such as a severe storm or hurricane. An emergency preparedness kit should include food and water for each family member, a battery-powered or hand-held radio, flashlight, spare batteries, first aid kit, non-electric can opener, dry clothes, bedding, toilet paper, and garbage bags for personal sanitation. Don't forget extra eye glasses, medications, copies of prescriptions and special products for babies, the elderly and medically fragile or disabled family members.

Other items to consider include sleeping bags or blankets, paper towels, books, puzzles and games for children and food for family pets. It's helpful to have cash in case banks are closed and ATMs are not open. Have important insurance information and other important documents readily available.

Make an evacuation plan and learn the evacuation routes in your neighborhood. Traffic congestion is inevitable. Plan for a significantly longer travel time to reach your destination. If possible, evacuate using only one vehicle. Have a communication plan with phone numbers of family members in case people get separated. Identify a friend or family member in another town, who can be contacted during an emergency.

Store the emergency supplies in an easy-to-carry plastic storage container or duffel bag, so that you can grab it quickly and go when an emergency forces you to leave your home. Putting together an emergency kit isn't expensive. Many of the items are probably in your home already. Any additional supplies you may need can be purchased over a period of time.

More information on emergency preparedness, including how to put together a family communication plan, can be found on FEMA's Web site (in English and Spanish): FEMA, and NYS OEM.

FEMA's mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Friday, 27 May 2011 13:16

Documenting Your Possessions After A Loss

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Your worst nightmare has just happened! You’ve had a fire or been robbed.

Can you document what was stolen or destroyed? The insurance company will ask you to do just this and it’s your responsibility to prove what you lost and its value.

Here are some suggestions to help you cope with this difficult task.

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