Resources

You don’t sit around waiting for disaster, but you do want to be ready for it. Lean on us for valuable information and ongoing support.

Policy

Pay online: Log into your Customer Portal and click the “Make a Payment” link in the “Billing Information” section. We offer multiple payment methods to make paying your bills easier. Pay by check at no charge, or use your credit card for a three percent convenience fee.

Pay by mail: Mail your check or money order to the address below. Make sure you include the bottom portion of your invoice (if applicable) and note your policy number on your check or money order.

Standard Mail

First Protective Insurance Company
PO Box 403884
Atlanta, GA 30384-3884

Overnight Mail

First Protective Insurance Company
Lockbox 403884
6000 Feldwood Rd
College Park GA 30349

Flood Insurance

First Protective Insurance Company
P.O. Box 912094
Denver, CO 80291-2094

Commercial Insurance

Frontline Insurance
P.O. Box 958405
Lake Mary, FL 32795

 

Yes, there are three ways you can pay your policy premium:

  • Annually
  • Two installments
  • Four installments

And we won’t lock you into a payment plan. Feel free to change it at any time during your policy period, or simply pay the remaining policy balance regardless of your current plan.

Do not make this payment if you’re sure your insurance is escrowed. Escrow status occasionally changes without our knowledge, so we mail copies of all invoices to you. If your current mortgage company is the payer, they also receive an invoice.

Contact your mortgage company immediately to confirm your payment if you receive a cancellation notice for nonpayment of your premium.

And don’t worry about overpaying. We’ll return any excess premium we receive.

Online: Log into your Customer Portal to find your policy information.

Print: Check out the Policy Declarations page under the POLICY COVERAGES section on page 1.

It’s best to submit changes directly through your insurance agent. That way they can gather the right paperwork and update their records to better serve you in the future.

Many times your agent can even provide immediate documentation if you need it for a loan closing or similar transaction.

Talk to your insurance agent. They can explain your options in detail to make you aware of possible limitations and exclusions. Your agent will also help you gather the right paperwork and information to make sure any request is handled promptly and smoothly.

Contact your insurance agent to discuss adding one of the following eligible credits to lower your insurance premium:

  • Central Station Burglar Alarm Credit
  • Central Station Fire Alarm Credit
  • Automatic Sprinkler System Credit
  • Wind Loss Reduction Credits
  • Senior Discount (North Carolina policies only)

Home Checkup

It’s a visual examination of your home that is complimentary for customers in South Carolina, North Carolina, Alabama, and Florida. One of our experienced, on-site risk specialists carefully studies the physical structure and components of your home including:

  • Supply Lines
  • Water Heater
  • Electrical System
  • Walkways
  • Decks
  • Roof
  • Screen Enclosures
  • Structure and Foundation

Sometimes our specialists are required to enter your home. You will be notified prior to the home checkup if this is the case. 

Frontline Insurance will communicate the results of your Home Checkup to you through one of our Home Solutions advocates

Claims

Have the following information handy to make the process as easy as possible:

  • Your policy number (located on your Policy Declarations at the top of page one)
  • Actual date of your loss (such as 05/30/2007)
  • Complete description of the damages.
  • Contact person and a phone number for that contact.
  • Mortgage company on the policy.

For non-hurricane claims
We offer several options for filing non-hurricane claims:

  • Report the claim to your agent.
  • Call us about your claim at (800) 675-0145.
  • Fax us about your claim at (321) 249-1396.

For hurricane claims
Direct your claim straight to us when a hurricane hits:

  • Call us about your claim at (866) 673-0623.
  • Fax us about your claim at (321) 249-1395.

Non-hurricane claims:

  • Take steps to prevent further damage to your property. Unsure how to do this? Ask your adjuster. We are here to help you.
  • Review your policy declarations (DEC) page to verify the named insured and mortgage company are accurate. This will prevent unnecessary delays in payments. Your adjuster can assist you in updating policy information.
  • Your adjuster will prepare an estimate and review it with you. As questions and be sure all known damages have been identified.
  • Policy coverages will be applied to the estimate and explained to you. Your adjuster can answer any coverage questions you may have.
  • Payment will be issued for any amounts due under your policy.

Hurricane related claims:

  • Take steps to prevent further damage to your property. Unsure how to do this? Ask your adjuster. We are here to help you.
  • Review your policy declarations (DEC) page to verify the named insured and mortgage company are accurate. This will prevent unnecessary delays in payments. Your adjuster can assist you in updating policy information.
  • The field adjuster who has visited your home will prepare an estimate and send this estimate to the Frontline Catastrophe Center. Ask questions and be sure all known damages have been identified.
  • Policy coverages will be applied to the estimate and explained to you. Your Frontline Catastrophe Center adjuster can answer any coverage questions you may have.
  • Payment will be issued for any amounts due under your policy.

Register with our Customer Portal, and you can submit claims, check claims status, access your policy, and more from anywhere you have the Internet.

Weather

Before a hurricane:

  • Create a hurricane supply kit and review it every six months
  • Know your home’s vulnerability to storm surge, flooding, and wind
  • Do a home inventory and keep a second copy outside of your home (such as in a safety deposit box)
  • Secure important legal documents (such as personal identification, insurance policies, social security cards, proof of residence, wills, etc.)

In the event of a hurricane:

  • Move easily damaged objects to higher levels of your home away from windows (such as televisions, computers, stereo equipment, etc.)
  • Protect the outside of your home by covering windows with storm shutters or plywood
  • Secure outdoor objects so they don’t go flying (such as lawn furniture, garbage cans, garden equipment, dead tree limbs, etc.)

 

Think about the specific needs of your family when you create your hurricane supply kit. Store everything in clearly marked, waterproof containers, and review your items every six months.

Here are a few items to get you started:

  • First-aid kit (including prescription medications, pain reliever, anti-diarrhea medication, antacid, laxatives, etc.)
  • At least one gallon of water per person per day (keep at least a 3-5 day supply in plastic containers that are not likely to break)
  • Water-purifying supplies (chlorine or iodine tablets or unscented ordinary chlorine bleach)
  • Non-perishable food that needs no special preparation
  • Paper plates, cups, and plastic utensils
  • Battery-powered or weather radio
  • Flashlights
  • Extra batteries
  • Extra cell-phone batteries
  • Personal hygiene supplies (including soap, toothpaste, toilet paper, and disposable cleansing clothes)
  • A change of clothes
  • Rain gear
  • Footwear
  • Bedding (including blankets, sleeping bags, and pillows)
  • Infant supplies if needed (including formula, powdered milk, diapers, bottles, medications, etc.)
  • Age appropriate entertainment (including games and books)
  • Cash (including small bills)
  • Disinfectant

Our pets are important members of our families, and we’re committed to protecting them too.

Use these tips to help you plan ahead:

  • Find a pet-friendly location in the event of an evacuation
  • Keep your pet’s shots up-to-date
  • Make sure your pet wears a collar with up-to-date identification and contact information
  • Assemble a pet-friendly hurricane supply kit to include:
    • Medications
    • Medical/shot records
    • Sturdy leashes, harnesses, and/or carriers
    • Food, water, bowls, and a can opener
    • Vet’s name and number
    • Current photo in case they get lost
    • Pet bed and toys if possible

Use these tips after the storm passes:

  • Leash your pet; unfamiliar scents and landscapes can disorient them
  • Watch for alligators, snakes or other dangerous animals the can pose a threat to your pet
  • Keep an eye on their behavior; typically friendly pets may lash out

Have a plan in place: You should create a plan for evacuation and share it with your family before you’re ordered to leave. Pick a few places—a friend’s home in another town, a hotel or a shelter—so that you have some options, and choose an out-of-state family member or friend that everyone knows to contact in case of emergency.

Evacuate immediately: The longer you wait, the more dangerous the situation becomes.

Think about things youll need: Take your hurricane supply kit and your pets with you when you leave. And don’t forget flares, booster cables, maps, tools, and a full tank of gas. You never know when they’ll come in handy.

Grab your hurricane supply kit and determine the safest area of your home to ride out the storm. Make sure you put as many walls as possible between you and the outside. Then monitor the television or radio for changing conditions. The worst part of the storm comes after the “eye” of it passes over. Stay indoors until authorities declare that it’s safe to come out.

Wait for authorities to announce that it’s safe to either come out of your home or return to it. We can’t stress this enough.

If your home wasn’t lucky enough to escape with only minimal damages, take the steps necessary to protect it from further problems and contact our claims department.

And make sure to use flashlights or a generator if the power is out, not candles.

  • Buy a generator that matches the amount of power you’ll need so you don’t overload it
  • Use your generator outside away from open windows and doors
  • Purchase a carbon monoxide alarm or make sure your current one is working
  • Plug appliances directly into the generator or use a heavy-duty, outdoor-rated extension cord
  • NEVER plug your generator into a wall outlet. This process is known as “backfeeding,” and is incredibly dangerous

General

Hurricane Claims:
(866) 673-0623

Non-Hurricane Claims:
(800) 675-0145

Corporate Phone:
(877) 744-5224

Corporate Fax:
(407) 444-5234