Pottruff & Smith Insurance Brokers Inc

Frequently Asked Questions

May I receive a home or auto quote before my policy expires?

Is it possible to cancel a home or auto policy before its expiry with another provider?

May I increase my coverage at any time?

How does replacement cost work?

What should I do if I have an auto claim?

How do I submit a claim?

How does a deductible work?

How will a claim affect my premiums?

What are my association discounts?

Yes! A 30-day (sometimes more) guarantee on the rate generally applies. Outside that period, a quote can be given for information purposes and, within the 60 days, the policy can be re-quoted.

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Yes. Ask the current provider about penalties associated with cancelling and follow the proper procedure. In many cases, special program rates and discounts off-set the penalty. In fact, if you place both auto and home insurance with us, you’ll receive 5% off your auto premium and 10% off your home premium.

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Yes, you can increase your coverage at any time!

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Full replacement cost means that insured receives full market value – up to the policy limit - without depreciation for items up to a specified age.

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Do not admit fault! Report your claim immediately to Pottruff & Smith with the info below; leave potential evidence untouched.

Mostly you’ll need:

Name, policy number, insurers of all people involved
Vehicle make, model, license if an auto incident
Date, time, location, injuries (and names), other details of occurrence
Police (including names) information

Pottruff & Smith contacts the Insurer to starts the process

The Insurer arranges for an adjuster to contact you to assess the claim circumstances.

The Insurer reviews the claim according to policy terms; the final settlement decision will be made.

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For home, auto, and commercials claims, contact Pottruff & Smith Insurance Brokers Inc. at your designated phone number or 1.888.768.8001 and speak with the Claims Manager (Mirella Perricone, extension 333). During the call, Mirella will request and record all the necessary information. She will review your file for your current rating and history and will advise, based on her evaluation, on whether submitting a claim is recommended or not. If so, Mirella assists with filing and following the claim's progress.

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In the event of a claim, a pre-determined amount is paid by the insured with the balance of the claim being paid by the insurer. The deductible helps keep insurance rates at reasonable levels by ensuring that petty or needless claims are not filed.

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Premiums are affected in different ways depending on the circumstances. With an auto claim, a premium change may be influenced by the insured’s driving record and his/her policy features. With a home claim, depending on the frequency of claims, generally the available discounts on a policy will be affected first and then the rating next. For commercial claims, the insurer looks at the frequency and type of claim (e.g. lots of break-ins?). The outcome could be an increased deductible or premium.

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Please refer to your association pages on this website for details on your program; to find out what your premium would be for any form of insurance, simply speak with the Account Manager on your association team.

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