204 Red River Ave. South • PO Box 438 • Cold Spring, MN 56320

I Have A Claim...

I just suffered a loss to my property. What should I do?

The first thing to do is whatever is necessary (and safe) to prevent further damage. Next, report your claim to your Agent or the company immediately. Provide important information about your claim and make sure to include your contact information. Feel free to ask questions. We are here to help you at the time of your loss.

Remember, insurance does not necessarily cover everything.

Who's Claim Is It?

Please Identify the type of claim to send to the appropriate Company

Ram Mutual

  • Bldg. Collapse/ weight of Ice, Snow
  • Equipment Breakdown
  • Hail Damage
  • Inland Marine Items
  • Liability Claims
  • Sinkhole Collapse
  • Special Form Coverage
  • Underground Service Line Coverage
  • Water Leaking in Dwelling Roof
  • Windstorm
  • Volcanic Action

Submit A Claim to Ram Mutual Insurance Company
Ph: 800-727-1315

North Star Mutual

  • Bldg. Collapse/ weight of Ice, Snow
  • Equipment Breakdown
  • Hail Damage
  • Inland Marine Items
  • Liability Claims
  • Sinkhole Collapse
  • Special Form Coverage
  • Underground Service Line Coverage
  • Water Leaking in Dwelling Roof
  • Windstorm
  • Volcanic Action

Submit A Claim to North Star Mutual Insurance Company
Ph: 800-622-5230

Unity Mutual

  • Aircraft
  • Explosion
  • Fire
  • Ram or North Star
  • Glass Breakage
  • Lightning
  • Refrigerated Foods
  • Riot/ Civil Commotion
  • Smoke Damage
  • Theft
  • Vandalism/ Malicious Mischief
  • Vehicles
  • Water/Sewer Backup

Broad Perils: (Applying to Dwellings or Personal Property)

  • Collapse of Dwelling
  • Discharge of Liquids or Steam
  • Falling Objects
  • Freezing, Plumbing Heating System
  • Power Surge
  • Water Damage from: (Leaking Pipe/Appliance/Toilet overflow)
  • Weight of Ice, Snow, Sleet

Broad Perils: (Applying to Farm Personal Property)

  • Collision
  • Livestock Perils
  • Overturn

Submit A Claim to Unity Mutual Insurance

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