North Carolina Personal & Business Insurance
Durfey-Hoover-Bowden Insurance Protecting Your Way of Life Since 1937

If your property is damaged:

  1. Take reasonable steps to protect the property from further damage. Keep receipts for items purchased while making temporary repairs to protect your property such as tarps, wood, nails. Do not make any permanent repairs until an adjuster has inspected the property.
  2. Report the claim to our office. If you are not able to reach our office, contact the company directly at the appropriate number listed here. These numbers are available 24 hours a day. If you end up calling your claim in directly to the company, we do ask that you still contact our office as soon as possible to inform us about your claim. If your company is not listed below, you will need to file the claim through our office.
  3. Separate damaged and undamaged property. In order to complete a full assessment of the loss, your adjuster will need to see all damaged property. If possible, place damaged items in a secure area where they can be inspected. If you are unsure about any item, please include it with the damaged property.
  4. Determine the damage done to your property. Make a written list of what was damaged and take pictures. Try to be as accurate as possible with your personal property (contents) and include name brand and model.
  5. If necessary, rent temporary shelter. If your home is uninhabitable, most homeowners policies pay additional living expenses while your property is being repaired. Before renting temporary shelter, check with the insurance company or our office to determine what expenses will be reimbursed.
  6. Make sure to record your claim number, your adjuster's name and his or her contact information.

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Why Work With Durfey-Hoover-Bowden?

The guidance you receive from your agent can have a great impact on your future.
Getting it right matters.
  • Partnership

    As the industry changes, so do your personal risks. We work with you to help keep your family and business protected.

  • Knowledge

    Our agents have achieved top insurance designations, served on advisory committees, and taught classes for other agents.

  • Access

    We shop around for you, selecting insurnace companies based on competitive pricing, financial stability, and level of service.

  • Experience

    With over 80 years of experience, we know how to guide our customers in the risks, coverages, and laws unique to our area.

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