Customer Service

QUESTIONS? WE’VE GOT ANSWERS.

Answers to most common requests can be found through our FAQs section here.

Still need help but don’t want to talk to a robot? You’re in luck! We have real, live humans behind our phones, ready to help you.

CALL OUR ACCOUNT MANAGERS AT (757) 248-5973

Commonly Asked Questions

How Do I Pay My Bill?

Most insurance carriers allow you to pay online. Here are the payment links for some of our carriers:

If you can’t find your policy number or carrier, you can always call our service department at (757) 248-5973 and we can help you make a payment over the phone.

How Do I File a Claim?

If you need to file a claim, make sure to call us first! Our team will help you determine if a claim should be filed and connect you with the insurance carrier to start the claims process. We will even follow up throughout the claim if needed.

Keep in mind, before filing a claim you’ll want to get an estimate of the damages before making permanent repairs. For home claims, consider calling a plumber or roofer to stop any issues that may cause permanent damage, like an active leak.

View the Claims Page here.

How Do I Get My ID Cards?

Most carriers have mobile apps you can use to request your ID cards. The best way to determine if your carrier has a mobile app is to simply Google them. You will likely be instructed to create a customer login. Once you’re set-up, you will be able to request your ID cards.

You can also send your request to sdavi@evertreeinsurance.com or call our service department at (757) 248-5973.

What is a Deductible?

A deductible on your insurance policy is what you pay before the insurance kicks in. This is to prevent extremely small claims from being filed as insurance is for larger emergencies. For example, if your home deductible is $1,000 and you have $10,000 in damages, the insurance company will pay the contractor repairing it $9,000, and you will pay your $1,000 deductible.

Some policies may offer a separate, higher wind deductible for damage done by storms, so be sure to look at your policy carefully to understand your deductible amounts and coverage.

How Do I Change My Mortgage/Leinholder Company?

If your mortgage company has changed, simply call us to let us know. Changes are common, and most mortgage companies do not inform the insurance carriers when they make a switch. It’s very important for us to have the correct mortgage information on the insurance policy so your coverage doesn’t get interrupted.

Give us a call today at (757) 248-5973 so we can help make a seamless transition.

How Do I Add a Person to My Policy?

Give us a call. We ask that you have the following information handy because we are going to ask for it.

Policyholder’s name and the name of the driver you would like to add.
Policy number or address.
What cars are being removed or added (if any), and what are their VIN numbers?
Specify coverage- will you need more? You can also choose to keep it the same as the other vehicles on your policy.

For any and all driver-related changes to your policy, give us a call at 757-248-5973

Why Did My Premium Increase this Year?

There are many reasons your premium might increase. The most common are:

Recent claim filed
Traffic Violation
Insurance/credit score may have dropped
Carrier rates increased throughout the state due to the rising cost of repairing cars and homes

There are many ways to combat rate increases, including altering deductibles and signing up for plug-in driving programs. If your rate went up less than $200, then you likely still have the best policy, but if you continue to see small increases over three years or so, then it might be time to check if you’re still getting the best rate.

If you are facing increases, it may be time to reevaluate your policy. Give us a call so we can find the best policy that fits your needs, even if it’s with a different carrier!

I Have a Dog, How Will This Effect My Coverage?

Finding the proper insurance coverage can be difficult if you own a certain breed of dog because a large majority of liability claims are dog bite claims. So, most insurance carriers will either not insure you, or if they do, they won’t provide coverage to a dog bite by a “vicious” breed.

This includes but is not limited to: Pitbulls, Rottweilers, Akitas, Wolf Hybrids, Chows, Bull/Staffordshire Terriers, and more.

If you have one of these breeds or any questions about your liability coverage, please call us at 757-248-5973

Why Is The Insurance Carrier Doing an Inspection on My Property?

Because they want you to keep your home amazing. This is a recent trend that will continue to rise. Regardless of who you get insurance from, you will likely have an inspection performed on your property when you sign up, and typically every three years, you stay with the policy after that. Unless they need to do an interior inspection, most inspections are only exterior, last about 10 minutes, and you don’t have to be there for them to perform the inspection.

Per the contract with you and the insurance carrier, they must pay out in a covered incident. So, they inspect the property to make sure it’s in insurable condition and fits their guidelines. They mostly look for overhanging trees, missing handrails, missing siding, condition of the roof, and if there are any pools, dogs, trampolines, Komodo dragons or open mine shafts on the property. Okay, they don’t really look for those last two.

For My Auto, Is an Out-of-State Registration Ok?

This doesn’t really affect many of our insurance companies, but here’s the catch: the DMV will care. Many DMVs won’t accept out-of-state insurance and could fine you and/or suspend your license or plates. It is your responsibility to go to the DMV and get this corrected.

If you’re military, there is likely an exception or form you will need to fill out. If you are not military and your DMV won’t accept out-of-state insurance, you will need to get the vehicle registered in the state you residein —just a heads up!

Will I Have to Pay My Deductible If I'm Not At Fault?

Maybe. For certain coverage types, you’ll pay a deductible even if you aren’t at fault. But, if there’s a chance your insurance could recover the amount paid, including your deductible from the person responsible, they will. If they aren’t successful, you can choose to try to recover the deductible yourself.

How Do I Cancel My Policy?

If you recently sold your home or vehicle, you probably don’t want to continue making payments on those policies. We don’t blame you.

Just call us at 757-248-5973 and let us know. Please note that we work with over 30 different insurance companies, so if you’re looking for a new policy, we can also do the shopping for you.