Frequently Asked Questions (FAQ)

A well-informed client is a good client.

Here are some of the most common questions people ask. If your concern is not addressed here, please contact us by phone or email and we’ll get back to you as soon as possible.


How do I report a claim?

You can either report the claim directly to your insurance carrier, or you can contact our claims department. Our claims department can assist in reporting your claim to the carrier and is available for questions regarding the status of your claim.


I have received an invoice for the total premium. Can I finance my insurance premium?

Insurance premiums can be very costly. Sometimes the insurance carrier will not offer installment options. However, if your billing is on Fairmont’s Agency Bill Service (which means that you receive bills from Fairmont directly), you can finance your policy. To finance your insurance premium, contact us by phone or email, or simply send us your invoice with a note indicating your request.


I have cancelled my insurance policy. How long does it take until I receive my refund?

It takes 2-3 weeks to process a policy cancellation. Once we receive the cancellation endorsement from the carrier, it then takes another 2-3 weeks before we receive the return premium. Unfortunately, we cannot issue a refund to you until we have received the refund from the carrier.


What should I do if my insurance policy is about to expire?

Your designated Account Representative can handle any questions or actions regarding your account during the policy term. As the term nears its end (at least 1 month prior), your representative will contact you regarding the renewal. If you don’t hear from him or her, reach out and we’ll get right back to you.


Why have I received a Notice of Cancellation?

Notices of Cancellation can be sent out for a variety of reasons. Your representative has received a copy of this notice as well and will be paying prompt attention to the matter. If you haven’t heard from your representative within a couple of days, contact him or her to find out what steps need to be taken.


I plan on renovating my property. Am I required to notify my insurance carrier?

An insurance policy is an agreement between you as the insured and the insurance carrier. Part of this agreement is that you accept the duty to report any changes that occur to your property during the policy term. Renovation is a change that must be reported. If the carrier is not notified and a claim should arise, there is a possibility that the claim will be denied by the carrier.