Claims made human.
When life happens, you have more than a policy. You have an advocate who fights for you.
Our 5-Step Claims Process
You call or text us. We respond fast.
We guide you on what to gather and help prepare your claim.
We file the claim and stay in constant contact with the carrier.
We advocate for the full and fair settlement you deserve.
We help you through repairs or replacement and close the claim smoothly.
What our clients say about claims
What to Do After a Car Accident in Louisville KY – Auto Insurance Claims Guide
If you're involved in a car accident in Kentucky or our other service areas (TN, IN, MO), follow these steps carefully. Acting quickly and documenting everything helps protect your claim. Always prioritize safety.
1. Ensure Safety and Call for Help
Move vehicles to a safe location if possible (do not leave the scene). Turn on hazard lights. Call 911 immediately if anyone is injured, the accident blocks traffic, or damage appears significant. In Kentucky, you must report accidents involving injury or property damage over $500 to law enforcement.
2. Exchange Information
Get the other driver's name, address, phone, driver's license number, vehicle registration, and insurance company/policy number. Do the same for any passengers or witnesses. Never admit fault or discuss the accident details with the other party beyond exchanging info.
3. Document the Scene Thoroughly
Take clear photos and videos of:
- Damage to all vehicles from multiple angles
- Vehicle positions and license plates
- Road conditions, traffic signs, weather, and skid marks
- Any injuries or visible property damage
4. Seek Medical Attention
Even if you feel fine, see a doctor or go to urgent care promptly. Some injuries (like whiplash or soft tissue damage) may not appear immediately. Keep all medical records, bills, and documentation of lost wages or pain.
5. Notify Oakmonte Insurance Immediately
Call us at (270) 216-1232 or your agent as soon as possible (ideally the same day). Do not wait for the other driver’s insurance to contact you. Provide all documentation you collected. We will guide you through filing and advocate on your behalf.
6. Do Not Start Repairs or Accept Settlements Prematurely
Get repair estimates from approved or reputable shops. Do not sign any releases or accept offers until we review them. Keep all receipts for rental cars, towing, or other expenses.
Homeowners Insurance Claims Process Louisville KY – Storm, Water & Theft Guide
For homeowners or renters claims (fire, theft, storm, water damage, etc.) in Louisville or our service areas, follow these steps to protect your claim and property.
1. Prioritize Safety
Ensure everyone is safe. Do not enter a damaged home if there are risks like structural issues, gas leaks, or electrical hazards. Turn off utilities if safe to do so.
2. Prevent Further Damage (Mitigation)
Take reasonable steps to protect your property from additional harm:
- Cover broken windows or roof holes with tarps (if safe)
- Remove standing water where possible
- Move valuables to a safe, dry location
3. Document Everything Before Cleanup
This is the most critical step:
- Photograph and video all damage from multiple angles before any cleanup or repairs
- Create a detailed written inventory of damaged or stolen items (include brand, model, age, original cost, and current replacement value)
- Save receipts, appraisals, or photos of valuable items from before the loss
4. File a Police Report (When Required)
For theft, vandalism, or any suspicious activity, contact the police immediately and get a copy of the report. This is required for most theft claims.
5. Contact Oakmonte Insurance Right Away
Call us at (270) 216-1232 as soon as you discover the loss. Have your policy number ready. We will help you file the claim, guide you through documentation, and work directly with the insurance carrier as your advocate. Do not sign anything or accept a settlement offer without discussing it with us first.
6. Track All Expenses
Keep detailed records and receipts for:
- Temporary housing or additional living expenses (ALE)
- Emergency repairs and mitigation costs
- Medical expenses (if applicable)
- Lost personal property
Best Practices for All Claims
Following these guidelines helps ensure a smoother, faster, and fairer claims process:
Before a Claim Happens
- • Review your policy annually with us to understand coverages, deductibles, and limits.
- • Maintain a current home inventory (photos, videos, or use an app) stored off-site or in the cloud.
- • Know your policy number and our contact info.
- • Consider higher deductibles or additional coverages (like umbrella or flood) if appropriate.
During the Claims Process
- • Report the claim as soon as possible — delays can hurt your case.
- • Be honest and accurate in all statements and documentation. Insurance fraud is a serious crime.
- • Get everything in writing. Follow up verbal conversations with email summaries.
- • Keep copies of all documents, photos, estimates, and correspondence.
- • Do not start major permanent repairs until the adjuster has inspected (except for emergency mitigation).
- • Get multiple repair estimates from licensed, reputable contractors.
- • Cooperate fully with requests for information, but do not feel pressured to accept a lowball offer.
Working With Your Adjuster & Us
- • You have the right to choose your own repair professionals in most cases.
- • We are your advocate — contact us with any questions or concerns about the carrier’s decisions.
- • For large claims, ask about additional living expense (ALE) coverage or advance payments if needed.
- • If the offer seems unfair, we can help negotiate or discuss your options, including appraisal or public adjusters.
After the Claim
- • Review your policy with us after a claim — rates or coverages may need adjustment.
- • Keep records for tax purposes (some casualty losses may be deductible).
- • Consider what you learned and whether additional coverage would be wise.
Frequently Asked Questions About Insurance Claims in Louisville, KY
How long do I have to file an insurance claim in Kentucky?
Most policies require prompt reporting (often within days or as soon as reasonably possible). For lawsuits, Kentucky generally has a 1-2 year statute of limitations depending on the claim type, but always notify Oakmonte immediately to protect your rights.
Will filing a claim raise my insurance rates in Louisville?
Not always. At-fault accidents or certain home claims can lead to increases, but comprehensive claims (like hail or theft) often do not. We can review your specific situation and shop for better rates if needed.
What if the insurance company denies my claim?
Contact us right away. We will review the denial letter, help gather additional documentation, and advocate on your behalf. Many denials can be overturned with proper support.
Do I need a public adjuster for my Louisville claim?
For small straightforward claims, usually not. For large, complex losses (major fire, flood, or commercial), a public adjuster can help maximize your settlement. We can advise on whether it's right for you.
Get help with your claim today →
See our Auto Insurance page or Homeowners Insurance page for coverage details.