Catastrophe Claims

Vector Risk Solutions can handle all aspects of catastrophe claims. Catastrophe claims is one of the key services we provide to insurance companies across the Midwest, Southeast, & Great Plains so they can continue to serve their policyholder and make everything right again.

Vector Risk Solutions has a history of providing the highest quality service and unsurpassed attention to details during times of extreme distress to provide the most expedient recovery and satisfaction.

Our catastrophe services include Personal Lines, Commercial Agribusiness, Commercial Lines and Flood.

Catastrophe Claims Services

Vector Risk Solutions has had a presence in major event catastrophe for many years. In the event of a severe weather-related incident or other major event, our team of claims adjusters are dedicated to respond and provide quality service to each of our clients and their policyholders.

We currently offer catastrophe claim services in the following areas:

  • Full service property field catastrophe claim handling
  • Site management team to audit all files, inspect adjusters and other quality control standards
  • Fast track claim handling
  • Specialty large loss
  • Scope/estimate assist
  • Temp/permanent desk adjusting

Additionally, we service the following catastrophe related types of claims: Residential Property/Casualty, Commercial, farm & ranch, and flood.


The Vector Risk Solutions claims process is designed to be as efficient and straightforward as possible. We understand that the claims process can be stressful, so we work hard to make it as smooth and stress-free as possible for our clients.

Here’s a brief overview of our claims process:

1.  File a Claim

The first step is to file a claim with your insurance company. Your insurance company will then assign your claim to Vector Risk Solutions.

2.  Initial Contact

Once we receive your claim, one of our adjusters will reach out to you to get more information about the incident and begin the claims process.

3.  Investigation & Estimate

Next, our adjuster will investigate the incident and make an estimate of the damages.

4.  Settlement

Once the investigation is complete, our adjuster will work with you to settle your claim.

5.  Follow Up

After your claim is settled, we will follow up with you to make sure you are satisfied with the outcome of your claim.


We understand it’s impossible to predict when or where a catastrophe will happen. However, there are some things you can do to help prepare yourself and your family in the event of a major event.

Here are a few tips to help you be prepared:

1.  Review Your Insurance Coverage

Make sure you understand your insurance policy and what it covers. This will help you know what to expect from your insurance company in the event of a claim.

2.  Create an Emergency Kit

Put together a kit with supplies that will last you and your family for at least 72 hours. Include items like food, water, first-aid supplies, and medications. [Tip: Make photocopies of important documents, such as passports, driver’s licenses, birth certificates and insurance information.]

3.  Stay Informed

Keep up with the latest news and weather reports in the event of a major event. This will help you know what to expect and how to stay safe.

4.  Stay Safe

In the event of a major event, always stay safe and follow the instructions of emergency personnel. Do not put yourself in danger by trying to return to your home or property until it is safe to do so.

5.  Have a Plan

Make sure you have a plan for what to do in the event of an emergency. This should include a list of emergency contacts, evacuation routes, and where to meet up with your family. Don’t way for disaster to strike to try and organize your loved ones. Taking preventative measures can make all the difference when it comes to your safety.

In the event of a flood

Floods are one of the most common and destructive disasters, and the damage isn’t always immediately visible. While some areas are more prone to floods than others, they can happen anywhere, at any time, and often without warning. Know the guidelines on floods for your city or county.

In the event of a hurricane

Hurricanes are massive tropical storms that can bring high winds, storm surge, flooding, and other damage to coastal areas. Generally, there is warning prior to a hurricane striking. It’s imperative to be ready in the event of a hurricane and to take preparative steps for your household ahead of time.

In the event of a wildfire

Wildfires are uncontrolled fires that often spread quickly and can be very dangerous. Have an emergency bag packed for your family at all times so that you can get out of harms way as soon as possible.

In the event of a tornado

Tornadoes are violent storms that can cause destruction in a matter of minutes. They often occur with little or no warning, so it’s important to be prepared ahead of time. Read up on tornado safety precautions, and if you’re in an area where tornadoes have struck before, have a plan in place for your family on where you will go at a moment’s notice.

In the event of an earthquake

Earthquakes are sudden and often violent shaking of the ground, and can happen without warning. If you live in an area that is prone to earthquakes, it’s important to be prepared ahead of time. Make sure you know how to turn off utilities in your home, and discuss emergency plans with your family. Have an agreed upon location of where you will go in the event that you are not together and cannot reach one another if disaster strikes.

Catastrophe Management

Our mission as a team of catastrophe adjusters is to focus on our clients to provide them and their policyholders with a superior claims experience. We strive to match the talent we have available with the demands and needs of the clients we serve. We offer an online client portal where you can find relevant information to your policyholders situation and the status of your claims.

Vector Risk Solutions catastrophe services can be implemented at a moment’s notice. We are committed to delivering the best to our clients, so they can provide their policyholders with the best and most efficient adjusters in the business.

As a Catastrophe Adjusting Firm, we set ourselves apart from other independent adjusting companies as we set stronger expectations for our adjusters and require them to have an extensive background and knowledge in either the Agribusiness, Commercial Agribusiness and Flood industries.

As a team, during any catastrophe, it is important for our clients to feel that they have partnered with someone that places them first and offers their clients a customer service and work product that is industry leading.

When it comes to catastrophe, you can rest assured that our catastrophe adjusters will be there to provide you with the most committed service to make everything right again. No matter the extent to your policyholder’s circumstance, choose Vector Risk Solutions.


The Vector Risk Solutions team is available 24/7/365 to assist you and your policyholders. Our goal is to provide the level of customer service and work product that our clients have come to expect from us.

We have a wide network of adjusters across the country that are ready and able to deploy at a moment’s notice. We also utilize the latest in technology to ensure that our adjusters have the information and resources they need to get the job done efficiently and correctly.

For specific information and questions, contact


A catastrophe claim is an insurance claim that is filed as the result of damage caused by a natural disaster, such as a hurricane, tornado, or earthquake.

CAT adjusters are insurance adjusters who specialize in handling claims that arise from catastrophes.

A daily claim is an insurance claim that is filed for damage that is not the result of a natural disaster, such as a water leak or wind damage from a storm. These are more common occurrences. A catastrophe claim is an insurance claim that is filed as the result of damage caused by a natural disaster, such as a hurricane, tornado, or earthquake. There are certain regions and geographic locations where catastrophes are more likely to occur.

Floods could be part of a catastrophe claim, but not always. When it comes to filing a flood claim, there are many different nuances and complex issues involved, which is why they generally have their own claim structure entirely.

In addition to catastrophe claims, we handle all types of claims that range from daily, commercial, liability, agricultural, flooding and construction defects.