Claims Support
When something happens, start here.
An accident or loss can feel overwhelming. Begin with safety, document what happened, and report the claim as soon as you reasonably can. Farm Bureau’s claims team and Christine Hoard Agency are here to help you understand the next step.
Safety comes first.
Move away from immediate danger if you can do so safely. If anyone is injured, a fire is active, a roadway is unsafe, or emergency help is needed, call 911 before reporting the claim.
Immediately After a Loss
Four first steps that can help.
Every situation is different, but these actions can help protect people, preserve useful information, and begin the claim efficiently.
01
Protect people first
Get everyone to a safe location. Call 911 when medical, police, or fire assistance is needed.
02
Prevent additional damage
Only if it is safe, take reasonable temporary steps to keep damage from getting worse. Save receipts.
03
Document what happened
Take photos or video when possible and record useful names, dates, locations, and incident details.
04
Report the claim promptly
Report online, call Farm Bureau’s Claims Reporting Team, or contact Christine for help getting started.
What to do for common types of claims.
Use these as general first steps. Follow instructions from emergency responders and your assigned claims representative for your specific situation.
After an Auto Accident
- Move to a safe location if possible and call 911 when anyone is injured or the scene is dangerous.
- Contact the police so the accident can be documented.
- Photograph vehicle damage, the scene, and relevant road conditions when it is safe.
- Collect the other driver’s contact, vehicle, insurance, and license-plate information.
- Gather witness information, if available, and avoid debating responsibility at the scene.
- Report the claim by calling 877-324-6764, using the online form, or contacting Christine.
Your claims representative can provide direction about towing, repairs, a rental vehicle, and other next steps that may apply to your claim and coverage.
After Property Damage
- Leave the property and call 911 when fire, electrical hazards, structural damage, or another immediate danger exists.
- Contact the fire or police department when the incident should be officially documented.
- Take photos or video before moving or cleaning damaged property, when possible.
- Report the loss promptly to Farm Bureau or Christine.
- Take only reasonable temporary measures needed to prevent additional damage, such as emergency water mitigation or covering an opening.
- Keep receipts and wait for guidance before making permanent repairs, discarding damaged items, or completing major cleanup.
If your home cannot be safely occupied, tell the Claims Reporting Team. Your representative can explain what assistance may be available under your policy.
Farm or Business Loss
A farm or business loss may affect property, equipment, vehicles, employees, customers, or the ability to keep operating. Report it promptly and explain any immediate operational concerns.
- Protect employees, customers, family members, and animals from danger.
- Notify emergency services or appropriate authorities when needed.
- Document damaged buildings, inventory, equipment, vehicles, and affected areas.
- Preserve records related to damaged property and resulting expenses.
- Make only safe, necessary temporary repairs and retain receipts.
- Tell the claims representative about time-sensitive business or farm needs.
Before You Report
Helpful information to gather.
Do not delay emergency help or claim reporting just because every detail is not available. When possible, having the following information nearby can make the initial report easier:
- Your name, contact information, and policy number if available
- The date, time, and location of the incident
- A brief factual description of what happened
- Names and contact information for people involved or witnesses
- Vehicle, property, equipment, or item details
- Police, fire, or incident report information
- Photos, videos, estimates, receipts, or other relevant records
What happens after you report a claim?
01
The loss is reported
Farm Bureau gathers the initial facts and connects the report to the appropriate policy.
02
A representative is assigned
A claims professional will explain what information is needed and how the review will proceed.
03
Damage is reviewed
The claim may involve photos, documents, estimates, interviews, an inspection, or other evaluation.
04
Next steps are explained
Your representative will communicate applicable coverage decisions and the path toward repairs or resolution.
Claim handling varies based on the type of loss, the facts involved, and the terms, conditions, limits, and exclusions of the applicable policy.
Local Guidance
Here when claims happen.
The Farm Bureau claims team manages the investigation, coverage review, damage evaluation, and settlement of your claim. Christine remains your local point of contact when you need help understanding where to begin, reaching the right department, or making sense of the communication you receive.
With 20 years of insurance experience, she understands that clients often need both answers and reassurance. You do not have to figure out the process alone.
Christine Hoard Agency
Phone: (810) 670-0006
Office: 303 S. Mill St., Suite 4
Clio, MI 48420
For immediate claim reporting, especially outside normal office availability, use Farm Bureau’s online claim form or call the Claims Reporting Team at 877-324-6764.
Claims questions, answered clearly.
For guidance about your specific loss or policy, contact the Farm Bureau claims team, your assigned representative, or Christine.
Should I call Christine or Farm Bureau’s claims team?
You can report a claim online, call the Claims Reporting Team at 877-324-6764, or contact Christine for help getting started. For an urgent loss outside office availability, the direct claims phone number or online form is usually the fastest path.
Can I make repairs before an adjuster sees the damage?
Take reasonable temporary action needed to protect people or prevent additional damage when it is safe to do so. Photograph the damage first when possible and save receipts. Before permanent repairs, major cleanup, or discarding damaged items, ask your claims representative for direction.
What if I do not have every detail yet?
Do not delay emergency assistance. You can begin the claim with the information available and provide additional documentation as requested. The reporting team will explain what is needed next.
How can I check an existing claim?
Use Farm Bureau’s online claim-status service, contact your assigned claims representative, or call Farm Bureau at 800-292-2680. Christine can also help direct you to the right contact.
Will filing a claim affect my premium?
The effect of a claim can vary based on the type of loss, claim history, policy, rating factors, and applicable rules. Christine can discuss your general policy questions, but no rate outcome should be assumed before the claim and renewal are reviewed.
Ready to report or check a claim?
Choose the option you need below. Do not send medical records, Social Security numbers, payment information, or sensitive claim documents through a general website contact form.
Farm Bureau Claims Reporting Team: 877-FBINSMI (877-324-6764)