Imperial fire & casualty insurance company claims

What is Imperial Fire & Casualty, and how does it work?

In Opelousas, Louisiana, the Imperial Fire & Casualty Insurance Company was created.

In addition to Louisiana has grown into other adjacent states and now write insurance in Florida, Texas, Oklahoma, and Arkansas. They are also licensed in several other states.

The massive holding firm National General acquired Imperial Fire & Casualty in 2014, and it currently operates as a wholly-owned subsidiary. This provides the organization with a solid financial foundation, removing any concerns about the reliability of a younger, smaller insurer.

Following a private equity investor's purchase of Imperial and another insurer that proved ill-fated and ended in regulators intervening, the company was acquired.

The company's headquarters are still in Opelousas, but it now has offices in four states, including Dallas. Independent agents sell insurance in each of the five states they serve.

Although not all products are accessible in all five states, it writes personal auto insurance and basic homeowners insurance.

What kinds of items are available?

Auto insurance is available in all five of the states served by the organization.

Only Louisiana and Texas presently offer homeowner's insurance.

Is auto insurance available?

Imperial's auto insurance program is relatively straightforward, covering all of the minimum coverage and typical choices. They provide comprehensive coverage that includes rental reimbursement, towing and labor coverage, and all other essentials.

There's no hint of the more trendy or gimmicky solutions that large insurers usually provide these days. While some people appreciate a wide range of choices, Imperial's straightforward method is likely to appeal to those who prefer things to be precise.

Is it possible to receive homeowners insurance?

Imperial writes both ordinary homeowner's insurance and more basic house fire insurance.

Home, personal property, and liability coverage are all included in a conventional home insurance policy. Again, it appears that this is a clear policy with few extras.

Non-owner-occupied residences, notably those that are rented out, are covered by dwelling fire policies. They cover rental reimbursement charges to cover lost rent, as well as the liability risks associated with renting your house to others.

What other services does the company provide?

Insurance Against Floods

The Write Your Flood Policy program allows Imperial to write flood insurance. This program is approved by FEMA and adheres to all of the National Flood Coverage Program's standards, but it permits insurers to construct their flood policies within the program's parameters.

Flood insurance is provided for both residential and commercial premises.

Are the insurance rates offered by the company competitive?

Imperial Fire & Casualty Insurance does not offer quotes online and only sells products through agents. They also don't write coverage in the two states from where we generally get our comparing pricing. We cannot provide a straight rate quote or a comparison to other insurers as a result of this.

Small regional insurers aren't known for their low-cost insurance, but they make some bold promises about acquiring affordable Imperial Fire & Casualty insurance. They keep their policies simple, which is likely to keep prices low, but we doubt they'll be able to compete with major direct-buy insurers.

Is it possible to file a claim online?

Claims can be submitted both over the phone and online. The 'File a Claim' link on the webpage takes you to the National General claims site. If you need to file a flood insurance claim, the website recommends calling Imperial Fire & Casualty Insurance at 877-254-6819.

All other claims can be made by calling 1-800-325-1088 (available 24 hours a day, seven days a week) or submitting a claim online.

If the consumer wants an update on a claim that has already been lodged, the site includes a phone number for that, 1-888-233-4575.

The company's claims process isn't described on the website, nor is there any information on registering a claim or what to expect.

In a nutshell, what's the bottom line?

Imperial Fire & Casualty is a large, financially secure corporation that offers fundamental, dependable products. They're likely to appeal to consumers who prefer to get their insurance through a broker and are looking for a decent combination of coverage pricing and customer service.

Those looking for the best overall offer will undoubtedly find it elsewhere, but Imperial is worth considering if you are ready to pay a little extra for local, personalized service.

Don't Make Assumptions.

Experts decide many insurance claims. Don't assume whether you know if something is covered or not. Although some instances involving are covered by insurance, there are various factors why the insurance company might try to get out of paying you. It is essential to realize that the insurance provider could try to convince you that the cost of fixing the damages is less than the deductible. Don't let the insurance provider take a free ride in rejecting your legitimate claim. Get an experienced home insurance attorney to help.

Get An Acceptable Insurance Policy.

One of the most critical roles of an insurance attorney is to advise their clients of the insurance carriers inclined to keep their promises. That's why we made this list.

If your insurance carrier is on this list, please review the score. If it is failing, we recommend you contact your insurance agent and consider switching companies. We recommend buying insurance from one of the following market carriers:

• Allied Trust
• Universal North America
• American National Lloyds

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If you've had property damage, and your insurance carrier is not adequately paying your claim, you need to recognize that they may be now not to your side. They use demonstrated strategies to get you to accept a tiny fraction of what you want to recover financially from your insurance policy. We combat these companies each day, and we win. Our clients can relax knowing we're dealing with each detail of their claim and are aggressively pursuing the compensation they deserve. Call us for free to discover if you have a case.

YOU CAN OBTAIN A HIGHLY SKILLED INSURANCE LAWYER

If your insurance company has refused to honor your policy despite having a valid claim, you can recover damages based on "bad faith." At Dick Law Firm, PLLC, we are committed to fighting for the total compensation you deserve. When you retain our services, we fight to protect your rights as a policyholder.

Hiring a highly skilled property insurance attorney will help by:

• Significantly increases the value of your claim
• Learning all of the ins and outs of your policy
• Helping you navigate the claims process and negotiations
• Validating the cause and extent of the damage
• Informing you if a claim denial is valid
• Notifying you of all relevant insurance laws

If you have been mistreated or wronged by your insurance company, you can count on us to do everything possible to rectify the situation. We aim to resolve a claim as efficiently and effectively as possible.

Please speak with our team at 833-7RIGHTS today! Consultations are FREE.