108 West Washington Street
P.O. Box 1070
Galax, VA 24333

(276) 236-8106
(800) 758-8106
(276) 236-0165 Fax


Unforeseen losses can arise at any time, whether you're prepared for them or not. Your loss claim is an obligation we assumed when we issued your insurance policy. The staff at Grayson Carroll Wythe Mutual Insurance is available to help you in your time of need. Our claims department will try its best to serve you and get your life back on track in a timely manner. Once the claim is reported to us it will be serviced by one of our personnel.

Prompt and efficient handling of your claim is something we take pride in.

What Should You Do When A Loss Occurs?

When a loss occurs, there are some things you must do in order prevent any further damage and to ensure prompt, efficient handling of the claim.

If you have a loss - no matter how small - it can be a traumatic experience. The people here at Grayson-Carroll-Wythe Mutual Insurance Company want to reduce your exposure to this trauma to make it less stressful for you. We hope the following information will do just that.

No matter what type of a loss, you must take reasonable steps to protect your property to avoid further damage.

Step 1 - Protect Property From Further Damage

In case of roof damage - tarp the roof to avoid water or other damage to the inside.

Insulate and/or board up after fire, wind, or a break-in loss to secure property. This could also prevent freeze up or additional damage.

When appropriate shut off the water.

If at all possible during the winter, maintain heat in the building to avoid additional frozen pipes or plumbing damages. If impossible to maintain heat, put anti-freeze into all plumbing fixtures and if necessary, contact a plumber to winterize the plumbing.

Step 2 - Repairs

Only do those repairs necessary to prevent further damage such as temporary repairs or in the situation of electrical, heating or plumbing problems where further damage can occur.

You must Give the Company an opportunity to see the damage.

If you must make extensive, immediate repairs, take photos of the damage before the repair work begins.

In case of lightning damage to a computer or other appliance please do not destroy the item until the field staff has seen it.

Step 3 - Damage to Personal Property

Complete an inventory of your personal property - list all damaged property room by room.

Step 4 - Additional Information

If there is additional information you feel we should have, please let us know.

Step 5 - Reporting the claims to us

If you have a claim, please contact your agent or our office as soon as possible. Call our regular or toll-free line and let us know about the loss. Give as many details as you know about the loss. If your claim occurs after office hours or on a holiday, please submit your information on the form below or call our office as soon as possible and leave a message with a number where you may be contacted and one of our staff will be in touch with you soon.

Claims Department Numbers

Phone (276) 236-8106 ext: 226
Toll Free (800) 758-8106 ext: 226

Upon recording your claim, we will get back to you with further instructions. We will schedule a time we can inspect the damage or we will request you get an estimate from a reputable contractor/repair facility.

Step 6 - Get Estimate if requested by us

If we request you get an estimate, obtain a detailed repair estimate from a contractor that you will be using to do final repairs or who may be fixing a computer or damaged appliance. Send estimates and repair bills directly to our office at Grayson-Carroll-Wythe Mutual Insurance Company; P.O.Box 1070, Galax, VA 24333.

Your Claim Is Important To Us

If you are not satisfied with your claim adjustment please let us know. We will review your claim to see if something has been missed according to the terms of your policy.

Our claims department will try its best to serve you and get your life back on track in a timely manner.