Q. Where can I find my agent's telephone number?A. The agent’s telephone number is located on all invoices on the top right side of the bill.
Q. Where can I find my policy number?A. Your policy number is located on all invoices at the top left side of your bill. It is indicated by a two or three digit alpha prefix followed by a series of numbers.
Q. What are the effective and expiration dates of my policy?A. The policy term dates can be found on your policy declaration page as well as your invoice. You can contact your agent for more details.
Q. What if I pay my premium and then my mortgage company pays?A. Unless otherwise directed, Cumberland will send the refund to the insured.
Q. What if I have a cancellation notice for nonpayment of premium?A. Payment must be received by Cumberland no later than the date stated on the cancellation notice.
Q. Why is my bill amount different than last month’s invoice?
A. Your bill amount may be different due to several reasons. Some of the more common reasons are as follows:
c. Overpayment or underpayment of a previous invoice
Q. Does my payment have to be received or postmarked by the due date?
Q. How long will it take Cumberland to process my credit card payment?
A. Payments made before 7:30pm EST Sunday through Thursday will post to your account that night. Payments made Friday and Saturday will post to your account on Sunday night.
Q. Can a partial payment be paid by credit card or electronic check?
A. No, the full balance or entire installment amount must be paid when paying electronically.
Q. How do I file a claim?
A. To Report a Claim Online:
Go to http://cumberlandgroup.com/report-a-claim/online-claims-report
To Report a Claim by Phone or Mail:
Please contact your Independent Insurance Agent who will be able to assist you
with the handling of your claim. If you do not know the name or number for your agent, you may contact our home office at
1-800-232-6992 for assistance.
For Emergency Claims Requiring Immediate Attention after Hours:
Please contact a Cumberland Representative at 1-800-232-6992.
Q. How do I find information about my Insurance claim?A. The best way to get information on your claim is to contact the Claim Adjuster or Analyst assigned to your claim. If you do not know the name of your adjuster, you may contact our home office at 1-800-232-6992 for assistance. When calling, please have your policy number available.
Q. How long will my claim take?
A. Every claim is unique, and there are many different factors that could affect how long it takes to resolve your claim.Keep in mind that even though filing a claim is probably a rare event for you, our claims team is made up of experienced professionals who work with issues similar to yours day in and day out. We'll always do our best to resolve your claim efficiently.
Q. What's a Deductible?
A. Your deductible is the amount you've agreed to pay out of your pocket before Cumberland pays for any covered losses.Here's an example. Assume you have $2,000 worth of covered damage, and you chose a $500 deductible, applicable to that coverage, when you bought the policy. In this scenario, you pay $500, and Cumberland Insurance pays the rest.
Q. The accident wasn't my fault. Will I have to pay my deductible?A. Regardless of who was at fault, you'll pay a deductible for certain coverages. However, during the claim investigation, if the facts indicate there's a chance to recover payment from the person responsible for the damage, we'll attempt to recover the costs, including your deductible. If we aren't successful, you have the option of trying to recover the deductible on your own.
Q. What should I do if I receive notice of a claim against me?A. You should report the claim immediately and provide a copy of any documents you have received notifying you of the claim. You should not discuss the circumstances surrounding the claim with anyone other than your attorney or a representative of your insurance company.
Q. Will my insurance premium increase if I file a claim?