CLAIMS ASSISTANCE

The Insurance Policy requires that anytime a loss occurs or if an insured becomes aware of anything that indicates there might be a claim on the policy, the insured must:

Promptly give us or our agent notice (in writing if requested).
Notify the police when the act causing the loss is also a violation of law.
Notify the credit card company, if the loss involves credit cards.

Community Mutual will investigate, adjust and pay all valid, insured claims as quickly as reasonably possible. Our staff and Independent Adjuster force has been instructed to contact the insured, claimant or attorney within a 24 hour period to ascertain the facts of the loss and schedule an appointment. Our mission is to access damages, determine coverage and reimburse the insured as quickly as reasonably possible abiding by the terms and conditions of the policy. We will also advise the insured of non-covered damages and vigorously pursue fraudulently reported claims as required by Regulation.

In the event of a loss, Policyholders should:

Contact the Police and/or Fire Department immediately for assistance and to file a report.
Contact your Agent as soon as possible (within 24 hours if possible) to file a claim report. In the event that your Agent is not available, you may contact the company directly. The Company may be reached by Phone or Fax M-F (8:15 AM - 4:30 PM).
Phone 518-477-8182
Toll Free 1-800-758-4545
Fax 518-477-8192
Take all reasonable steps to protect covered property at and after an insured loss to avoid further damage.

Fraud Statement

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

CMIC now offers Agents Internet Access for on-line quoting and Accounting Inquiries.

Phone: 518-477-8182

FAX: 518-477-8192

News, Legislation and Current Events

CMIC 2010 HOLIDAY CALENDAR

Monday, July 5th
- - Independence Day
Friday, July 23rd
- - Closing at 12 Noon for CMIC Company Picnic
Monday, September 6th
- - Labor Day
Monday, October 11th
- - Columbus Day
Thursday, November 25th
- - Thanksgiving
Friday, November 26th
- - Day After Thanksgiving
Friday, December 24th
- - Christmas Eve
Friday, December 31st
- - New Year’s Eve

CMIC COMPANY NEWSLETTER
Community Mutual has been working to provide tools for our Agents ease in doing business and better serving our Insureds. 2010 is an exciting year! read more...

CARBON MONOXIDE DETECTORS REQUIRED UNDER NEW LAW
Amanda’s Law, passed in the 2009 Session of the New York State Legislature, will establish a new requirement for installation of carbon monoxide detectors in homes. read more...