FAQs

Questions

Agent FAQs

  1. How do I become an agent?
  2. Independent Agent

Billing FAQs

  1. Where can I find my agent's telephone number?
  2. Where can I find my policy number?
  3. What are the effective and expiration dates of my policy?
  4. What if I pay my premium and then my mortgage company pays?
  5. What if I have a cancellation notice for nonpayment of premium?
  6. Why is my bill amount different than last monthís invoice?
  7. Does my payment have to be received or postmarked by the due date?
  8. How can I change my current payment plan?
  9. What credit cards does Cumberland accept?
  10. How long will it take Cumberland to process my credit card payment?
  11. Can a partial payment be paid by credit card or electronic check?

Claims FAQs

  1. How do I file a claim?
  2. How do I find information about my Insurance claim?
  3. How long will my claim take?
  4. What's a Deductible?
  5. The accident wasn't my fault. Will I have to pay my deductible?
  6. What should I do if I receive notice of a claim against me?
  7. Will my insurance premium increase if I file a claim?
  8. Is my claim covered?
  9. What if I have an emergency situation and need repairs immediately?
  10. Do I need to file a police report?

General FAQs

  1. AM Best Rating
  2. Mutual Company
  3. Minerva



Answers

Agent FAQs

  1. Q. How do I become an agent?
    A. Please contact us through our website: http://cumberlandgroup.com/surveys/become-an-agent

  2. Q. Independent Agent
    A. The Independent Agents representing The Cumberland Insurance Group are committed to meeting your needs and expectations in the most professional manner possible. Currently the number of Independent Agents representing The Cumberland Insurance Group totals over 400 in the states of New Jersey, Pennsylvania, Delaware and Maryland. Independent Agents are experts in their field. They are supported by a variety of professional associations that provide them with information on industry changes, educational seminars and the training necessary to help them serve you better. Your Independent Agent is your neighbor, available to answer your insurance questions and stand by you in your time of need. They can also assist you through the claims process by completing forms and working with adjusters. In their role as our representative, they present you with individualized service at a fair price, tailoring your insurance coverage to your needs. They provide a local presence offering the expertise to assist you in minimizing the risks which may threaten your financial security. Talk to your agent about your insurance needs and take the mystery out of insurance. Unlike agents who represent only one insurance company, your Independent Agent can select an insurance company who can provide you with the best coverage at a reasonable price.

Billing FAQs

  1. Q. Where can I find my agent's telephone number?
    A. The agentís telephone number is located on all invoices on the top right side of the bill.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. Q. Why is my bill amount different than last monthís invoice?
    A. Your bill amount may be different due to several reasons. Some of the more common reasons are as follows:
    a. Endorsement premium charge or credit
    b. Cancellation of policy
    c. Overpayment or underpayment of a previous invoice
    d. Audit charge or credit (commercial only)

  7. Q. Does my payment have to be received or postmarked by the due date?
    A. Your payment must be received by the due date.

  8. Q. How can I change my current payment plan?
    A. Any requests for changes must be made directly to your agent.

  9. Q. What credit cards does Cumberland accept?
    A. We currently accept Visa, MasterCard, Discover, and most major debit cards.

  10. 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.

    Payments are not processed on New Yearís Day, Presidentís Day, Good Friday, Memorial Day, Independence Day, Labor Day, Columbus Day, Thanksgiving Day, The Day After Thanksgiving, Christmas Day, and any other company holidays.

  11. 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.

Claims FAQs

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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.

  7. Q. Will my insurance premium increase if I file a claim?
    A. Every policyholder's claim, claim history, and situation is unique, so depending on your circumstances, your premium may be affected. If you are concerned, don't hesitate to discuss with your agent.

  8. Q. Is my claim covered?
    A. Your policy was designed to suit your specific needs, so it is the best source of information on what is and is not covered. If you're not sure, we recommend filing a claim with Cumberland Insurance. The claim representative assigned to your claim will investigate the facts surrounding the loss and your specific coverage to determine if your claim is covered.

  9. Q. What if I have an emergency situation and need repairs immediately?
    A. For emergency repairs, like when a water line breaks in your home, please take care of the problem immediately so you and your family are safe. You should undertake all reasonable and necessary measures to protect your property from further damage. Save all receipts and invoices for this work and take multiple photographs throughout the process.

    For Emergency Claims Requiring Immediate Attention after normal business hours: Please contact a Cumberland Representative at 1-800-232-6992.

  10. Q. Do I need to file a police report?
    A. If you are involved in an accident or are the victim of a crime, you will need to file a police report at the time of the incident. This is particularly helpful for claims involving injury, when multiple parties are involved, or when fault is unclear.

General FAQs

  1. Q. AM Best Rating
    A. AM Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations. It is based on a comprehensive quantitative and qualitative evaluation of a company's balance sheet strength, operating performance and business profile.

  2. Q. Mutual Company
    A. A mutual insurance company is owned by its policyholders instead of stockholders. Mutual companies are usually directed by a board of directors who are often policyholders of the company. They select a president and chief executive officer to oversee daily company operations. In a mutual company, premiums are collected into a fund which claims are paid from. Income for a mutual company is generated from premium surplus and investment income.

  3. Q. Minerva
    A. The Minerva is a very important part of Cumberlandís history. Organized fire protection in the City of Bridgeton started in 1819. Sometime around 1840, the Cityís original volunteer fire brigade was replaced by the Minerva Volunteer Fire Company. These volunteers used a horse drawn hand pumper fire wagon they called the Minerva. After the formation of the Cumberland Mutual Fire Insurance Company, we worked closely with the organized fire brigades in the area. This cooperation ranged from fire inspection services to outright ownership of fire apparatus such as the Minerva. The Minerva Fire Company disbanded sometime in the 1850s, and unfortunately, the original apparatus was lost. However, the Minerva continued to live on as it became a part of our Company logo. In January 2010, the Company unveiled a full size steel replica of the Minerva at the main lobby circle of the New Jersey corporate offices.

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