How do I file a claim?
In the event of a loss, no matter how large or small, please notify your insurance agent as soon as possible.
If the claim is an emergency (fire, water, tornado, high winds) over a weekend or holiday, try to contact both your agent and Marion County Mutual.
Marion County Mutual emergency number: 641-891-3663.
For livestock losses:
All livestock losses must be looked at by a licensed veterinarian within 48 hours of the death of the animal.
For liability losses:
Please contact your agent or Marion County Mutual promptly so we may relay the claim information to our liability carrier.
For theft losses:
All theft losses will be reviewed by the Executive Committee.
The insured will be sent a Claimant’s Theft Proof of Loss Form to be completed and returned by the date of the executive review.
Theft losses must be reported to the police or sheriff in the area.
Please be ready to provide your policy number, the date and time the loss occurred, the type of loss, a description of the loss/damage, and the location of the loss.
To contact your agent:
Find my agent.
Contact Marion County Mutual:
Phone number: 1-844-599-2519
Emergency number: 641-891-3663
Fax number: 641-842-5416
Will my claim be covered?
That depends on what coverages are included in your policy, the cause of damage, and what property was damaged.
Your agent and adjustor can help you review your policy to determine if your claim will be covered.
Do I need to file a police/sheriff report?
In the event of property theft, vandalism or an accident, we recommend that you file a police/sheriff report.
What is the difference between Actual Cash Value and Replacement Cost?
Replacement Cost covers the full amount to replace any lost, stolen, or damaged item with a new item of like kind and quality.
Actual Cash Value only covers the depreciated value of an item at the time it was lost, stolen, or damaged. The depreciated value is determined by the wear and tear on an item and the item’s age.
On Replacement claims, actual cash value is paid first until repairs or replacement has been completed.
Will I be able to choose who completes my repairs?
Yes, you will be able to choose the contractor who completes your repairs.
Your claims adjustor can sometimes provide you with a contractor’s name or you can get an estimate from your choice.
Be sure to choose a contractor who is insured and bonded and who gives you a written workmanship guarantee, not a “storm chaser” contractor.
- Protect your property from further damage by doing temporary repairs.
- Get a detailed repair estimate.
- Complete an inventory of damaged personal property.
Will my premium increase if I file a claim?
That depends on your policy terms, your claims history, how long you have been a Mutual customer and the size, frequency and type of claims.