Frequently Asked Questions



General Questions


Claims Questions


  • Can I make payments online?

Yes, from a checking or savings account, see Make a Payment.

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  • Who do I make my check or money order payable to?

Please make checks payable to Mountain West Farm Bureau.

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931 Boulder Drive, Laramie, WY 82070

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Please contact your Farm Bureau agent to discuss your insurance needs or changes to your policy.

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  • Whom do I contact if I have additional questions after the adjuster has inspected my property? Where do I forward any additional information about my claim?

Please contact the Mountain West adjuster who inspected your property. They are most familiar with your claim and are in the best position to answer any questions you may have.

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  • Is my insurance company responsible for arranging the repair of my property? Does MWFBI warranty the work?

You are responsible for hiring your own contractor. It is wise to check references and verify that the contractor you choose is licensed and insured. Be sure to ask for local references. Referrals from friends or family are always helpful. We DO NOT warranty work done by any contractor.

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  • What do I do if other damage is found after the adjuster's inspection?

We make every effort to prepare the most thorough damage appraisal possible. However, if unforeseen damage is found, please contact your adjuster prior to repairing or replacing the item in question.

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  • I am unable to get a contractor to repair my property until several months from now. How will this affect my claim?

If you are unable to complete your repair within 180 days from the date of loss, contact your adjuster as soon as possible to request an extension. In the meantime, you should take measures to protect your property from further damage. Please save and submit receipts for reasonable and necessary charges incurred for temporary repairs which were completed in order to protect your property from further damage.

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  • My contractor told me that prices have increased since the adjuster wrote my estimate. What do I do?

It is common for repair prices to increase after a storm. Your damage appraisal was prepared utilizing average prices from your area. We ask that you share a copy of our damage appraisal with your contractor. If your contractor will not repair the damage for the amount of our appraisal, please send a copy of the contractor's itemized estimate to us. The adjuster assigned to your claim will review your contractor's estimate and will contact you to discuss the difference and how to proceed.

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  • My contractor's estimate is more than the damage appraisal prepared by the adjuster. What do I do?

First, be sure to give your contractor a copy of the estimate prepared by your adjuster. Should your contractor's estimate vary from our figures or if additional damage is found, please contact the adjuster who inspected your damage prior to making any repairs.

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  • Why was the cost to tear off my damaged roof withheld on the initial payment? How do I receive payment for it?

Your estimate will reflect an amount that is being withheld. This may be called tear off or recoverable depreciation. These items are not payable until the old materials are removed and the work is complete.

If your estimate indicates that non-recoverable depreciation was withheld, your policy does not provide reimbursement for the amount withheld.

When your policy provides reimbursement of tear off or recoverable depreciation, one of the following must be provided to your adjuster:

  • A landfill receipt reflecting disposal of roofing materials.
  • A receipt from the contractor who did the work.

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  • What is the amount I can recover under tear off or recoverable depreciation?

Any additional payments for tear off or recoverable depreciation are determined based on the difference between the amount you have already been paid for the damage and the total actual costs you incurred to repair or replace the damaged property.

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  • I want to upgrade the materials used to repair my property. Are the additional costs covered by my policy?

You are free to upgrade the materials used in the repair of your property and utilize materials of higher quality. However, the extra costs associated with the upgrade are not covered under the terms of your insurance policy.

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  • If I am unable to complete the repairs and the same property is damaged by another storm, what will my policy cover?

We are unable to consider an additional claim for damage to the same property unless it was properly repaired or replaced after the first loss. We have the right to request that you provide receipts documenting that the repairs associated with prior damage were made before we make payment for similar damages in the future.

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  • What is RCV versus ACV?

Actual Cash Value represents the cost to repair or replace the damaged material or item with one of like kind and quality less depreciation or loss in value due to age and wear.

Replacement Cost Value represents the cost to repair or replace a damaged item with materials of like kind and quality.

Depreciation is the measurement of the damaged material or item's loss in value based upon its current condition and age (average life expectancy of the product).

All losses are settled at actual cash value. If your policy provides replacement cost, the replacement cost can be reimbursed if repairs are done or started within 180 days from the date of loss. There are situations that warrant a time extension. Please contact your adjuster if an extension is needed and your adjuster will consider whether an extension can be granted.

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  • Why is my lender on the check?

Your lender has an "insurable interest" in your property and requires you to carry insurance. Therefore, the check is made payable to both you and your lender until your loan is paid in full. Additionally, in accordance with your insurance contract:

  • Mortgagee Clause 20.143 states "any loss shall be paid to the mortgagee and you." (Property)
  • Loss Payable Clause 40.105 states "any loss shall be paid to you and the loss payee." (Auto)

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  • Why is the endorsement on my policy?

When you purchased the insured item you signed paperwork with the lender that you would provide insurance and protect their interest for any loss.

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  • What do I need to do to get the lender to sign off on the check?

Each financial institution has a different set of guidelines. You must contact them directly for instructions.

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  • My lender is out of state, it is not convenient for me to deal with them. What do I do?

You will need to contact your lender wherever they are located and make arrangements with them.

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  • Can you call my lender for me?

We are unable to contact your lender since the mortgagee/loan is a contract between you and your lender.

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  • Should I endorse the check before I send it? My lender says I should endorse the check before I send it.

You should follow your lender's instructions. Banks require both your signature and that of the lender before they will cash the check. If a bank cashes it without the proper endorsement, it is fraud, and the bank is responsible for reimbursing the funds.

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  • Can you issue the check directly to me (to me and my contractor)? Is there any way of getting around the lender being on the check?

No. The clause is part of the insurance contract.

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  • In the past you have paid me and my contractor, why can't you do that now?

Due to the current economic climate, mortgagees are strictly enforcing this clause. If we do not enforce the clause by including them on the check, we can be responsible for paying for the loss twice.

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  • The wrong lender is on my check.

The lender on your check is the lender we have on record. Please return the check and provide your current lender information at your earliest convenience, and we will be happy to promptly reissue the check.

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  • I no longer have a lender. How do I get this off my check?

If you provide us with documentation showing termination of the lien and return your check, we will reissue it accordingly.

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  • My lender will not release the funds, and I have a contractor ready to start the work. What do I do now?

Contact your lender and contractors as soon as possible to discuss this with them. As indicated above, we are unable to assist with this as we are not a party to your loan contract.

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  • My contractor wants me to endorse the check and give it to them. Should I do this?

This is not a good idea. If you sign the check over to the contractor, you have lost any leverage if they do not complete the work or do not complete it to your satisfaction. Some contractors may require a down payment, which may be common with smaller contractors. However, paying for work up front is never a good idea

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