FAQs

1. To report a claim call your independent agent or contact our Claims Department at Broome Co-operative directly at 607-321-2655 or toll free at 1-866-921-BCIC.
2. Report a claim on our website by selecting the claims tab and then report a claim.
3. If you have a claim emergency after business hours, call the above contact numbers and select 4 to reach our claims staff. We provide 24/7 service to our customers.

1. Take all reasonable steps to protect your property from further damage.
2. If temporary repairs are needed make sure you take pictures of all damaged property before altering it in any way.
3. Do not dispose of any damaged items until you have spoken with a claims representative.

1. Your claim representative will provide you with the necessary forms for your type of claim.

1. A public adjuster is a person that will represent you for a fee in presenting your claim to your insurance company.
2. The fee is deducted from any loss settlement paid.
3. Public adjusters do not represent Broome Co-operative Insurance Company or your Insurance Agent.
4. Broome Co-operative will always work with you to settle your claim fairly and in a timely manner.

A third party claim is when a person seeks to recover money from you, usually as a result of an accident. If this should arise, notify your insurance agent as soon as possible and document any details you remember regarding the incident. If a third party (plaintiff) files a lawsuit against you, it is important that you get a copy of the lawsuit to your agent or the Insurance Company immediately. If someone contacts you to discuss the claim, please make sure that they are a representative of Broome Cooperative Insurance Company prior to discussing the claim. In order to protect yourself, it is important that you do not communicate directly with the plaintiff or the plaintiffs’ representative including any attorneys or other insurance companies regarding the claim.  If you are approached by one of the plaintiff’s representatives do not do any of the following without contacting Broome Co-operative.

This list includes, but not limited to:

• Requests to sign a statment
• Requests to take photos of involved area
• Requests for inspection of items involved in loss
• Requests to complete questionnaires
• Requests to provide coverage information

1. Under the terms of your policy, any lien holders, mortgagees, and/or additional insureds listed on your policy have a financial interest in the property.
2. When a settlement check is issued, any lien holders, mortgagees, and/or additional insureds named on your policy are required to be listed on the check.

If you feel we have overlooked an important detail which could change the outcome of your claim, please contact us to discuss your claim further. Should you wish to take this matter up with the New York State Department of Financial Services you may do so on their website at http://www.dfs.ny.gov/consumer/fileacomplaint.htm or you may write to or visit the Consumer Assistance Unit, Financial Frauds and Consumer Protection Division, New York State Department of Financial Services, at: One State Street, New York, NY 10004; One Commerce Plaza, Albany, NY 12257; 163B Mineola Boulevard, Mineola, NY 11501; or Walter J. Mahoney Office Building, 65 Court Street, Buffalo, NY 14202.