★★★★★ 5.0 · 273 Google reviewsWalk-ins welcome · Mon–Fri 9–5
SOMETHING HAPPENED · HERE'S WHAT TO DO

File a claim.
Step by step.

Fast, in plain English, no jargon. We'll shadow your claim from start to finish so you don't go through it alone.

Call WKI: (830) 379-7352Carrier claim lines ↓
First step

Call the carrier directly.

For most claims, the fastest way to get a tow truck, an adjuster, or emergency repair authorization is to call your carrier's 24-hour claim line directly. Carrier claim lines run nights and weekends. The WKI office runs 9–5.

If you can't find your carrier number quickly, call us and we'll route you. (830) 379-7352.

By claim type

Whichever happened — here's the order.

AUTO

Auto accident

01
  1. 1

    Make sure everyone's safe

    Move out of traffic if it's safe. Call 911 if anyone's hurt.

  2. 2

    Document the scene

    Photos of all vehicles, damage, plates, the road and weather. Get a police report number if officers respond.

  3. 3

    Exchange info

    Driver name, phone, insurance company, policy number, plate.

  4. 4

    Call your carrier's 24-hour line

    They dispatch an adjuster and authorize emergency repairs or rentals.

  5. 5

    Tell us

    Call WKI the next business day. We'll shadow the claim and make sure nothing falls through.

HAIL / STORM

Hail or storm damage

02
  1. 1

    Stay safe first

    Don't go on a damaged roof. Tarp from the ground if you can do so safely.

  2. 2

    Document everything

    Photos and video of every angle. Note the date and time of the storm.

  3. 3

    Call your carrier's claim line

    Adjuster usually within 1–2 weeks for a regional storm event.

  4. 4

    Watch out for storm chasers

    Don't sign with the first roofer that knocks. Ask for license, insurance, and local references.

  5. 5

    Tell us

    We'll review the carrier's settlement against your policy and flag anything off.

WATER / FIRE

Home water damage / fire

03
  1. 1

    Stop the source if you safely can

    Shut off water at the main, evacuate for fire.

  2. 2

    Call 911 for fire, then your carrier

    Fire claims can require a fire-marshal report.

  3. 3

    Document

    Photos and video of damage and contents.

  4. 4

    Mitigate further damage

    Cover broken windows, dry water — save receipts, often reimbursable.

  5. 5

    Call WKI

    We'll help interpret the policy and the carrier's response.

BUSINESS

Business / commercial

04
  1. 1

    Identify the coverage involved

    Property, GL, business interruption, commercial auto — claims often span multiple.

  2. 2

    Call your carrier's commercial line

    Commercial claims have separate handlers from personal lines.

  3. 3

    Document and preserve

    Property damage, lost income evidence, witness info, scene photos.

  4. 4

    Call Bryan

    Bryan handles commercial claim shadowing and helps interpret carrier responses.

01

Policy number

On your ID card or declarations page.

02

Date and time of loss

When it happened, as precisely as you can.

03

Location

Address or coordinates if outside a known location.

04

What happened

Brief description of the loss event.

05

Photos and video

Damage from multiple angles. Contents if interior loss.

06

Names + contacts

Anyone involved or witness — including officers responding.

07

Police / fire report #

If officers responded, get the report number.

08

Receipts

If you've spent money mitigating damage — keep them.

Who to call when

Carrier first for emergencies.
WKI for everything else.

CALL THE CARRIER

When the loss is fresh.

  • →The loss is happening now or just happened
  • →You need emergency authorization (tow, rental, mitigation)
  • →It's after hours or a weekend
CALL WKI

When the policy is the question.

  • →You're not sure if a loss is covered
  • →A settlement offer doesn't feel right
  • →You want a second set of eyes on what the carrier wants
  • →The claim is dragging and needs pushed forward
  • →You want to know how the claim affects future premiums

We don't replace the carrier's claim process — but we will shadow your claim from start to finish so you don't go through it alone.

Carrier 24-hour claim lines

Lines that run when the office doesn't.

Can't find your carrier number quickly? Call WKI: (830) 379-7352 and we'll route you.

01Travelers
1-800-252-4633 →
02Progressive
1-800-776-4737 →
03Safeco
1-800-332-3226 →
04Germania
1-877-437-6264 →
05Nationwide
1-800-421-3535 →
06Foremost
1-800-527-3907 →

Need help with a claim right now?

Call WKI: (830) 379-7352Email sales@wkitexas.com
Walk in: 533 E. Court Street, Seguin · Mon–Fri 9–5