When life throws an unexpected curveball — a fender bender on Highway 97 near Bend, a fallen tree limb on your roof in Prineville, or a break-in at your Central Oregon business — navigating the insurance claims process can feel overwhelming. At Prineville Insurance, we've been serving the Pacific Northwest since 1935, and we're here to be your trusted guide through every step of the process.

Step 1: Ensure Safety and Document the Loss

Before anything else, make sure everyone is safe. If you're dealing with a fire, structural damage, or a crime scene, do not enter the property until it has been cleared by emergency responders. Once it's safe, begin documenting the loss thoroughly.

• Take extensive photos and videos of all damage before any cleanup or repairs begin
• Make a written list of all damaged or destroyed items, including approximate values and purchase dates
• Preserve any damaged items — do not throw anything away until the adjuster has seen it
• If the loss involves a crime (theft, vandalism), file a police report and get the report number
• If the loss involves a vehicle accident, exchange information with all parties and get a police report

Step 2: Contact Prineville Insurance

Your first call after ensuring safety should be to your Prineville Insurance agent. We are here to guide you through every stage of the claims process. We'll help you understand your policy, explain what's covered, and assist you in compiling all necessary documentation. Our team will act as your advocate, communicating with the insurance company on your behalf and ensuring your claim is processed efficiently and fairly.

Our local knowledge, combined with our extensive experience serving clients across Central Oregon, means we can anticipate potential challenges and help you navigate them before they become problems.

Step 3: File the Claim with Your Carrier

Most insurance carriers allow you to file claims online, by phone, or through their mobile app. Your Prineville Insurance agent can help you file the claim directly or provide you with the carrier's claims contact information. When filing, have the following ready:

• Your policy number
• Date and time of the loss
• Location of the loss
• Brief description of what happened
• Police report number (if applicable)
• Contact information for any other parties involved

Step 4: Work with the Claims Adjuster

After filing your claim, the insurance company will assign a claims adjuster to investigate the loss. The adjuster's role is to verify the facts of the claim, assess the extent of the damage, and determine what the policy covers.

Your Rights as an Oregon Policyholder

Oregon law provides important protections for insurance policyholders. Carriers must acknowledge your claim within 10 days of receiving it, and must accept or deny the claim within 30 days of receiving all necessary documentation. If you believe your claim has been improperly denied or delayed, you have the right to file a complaint with the Oregon Insurance Division. Your Prineville Insurance agent can help you understand your rights and navigate any disputes.

At Prineville Insurance, we've been helping Central Oregon families and businesses navigate the claims process since 1935. Whether you're dealing with a homeowners claim, an auto claim, or a commercial claim, we're here to advocate for you and make sure you receive the full benefit of your coverage.