Only in Indiana

The first week of April has only begun yet those of us in Indiana have already experienced crazy weather that only happens in Indiana! Sunday night we received a one day record snowfall with temps in the 30’s and Monday we had mild temps that melted the snow and allowed the sun to shine for a bit. However, Tuesday with temps in the 60’s we are experiencing severe thunderstorms with massive flooding across the state and multiple watches and warnings being issued state wide!

We, at Ouellette & Associates, want to remind everyone to be weather aware especially during this unpredictable season of the year. It’s a great time to go over your emergency preparedness plans at home and work to help keep you and your loved ones safe!

However, if you find yourself or your home affected by weather this season, remember that O&A has Adjusters on call 24/7/365 ready to help you –
‘Call O&A and we are on our way’


Joe Ouellette
General Adjuster
Cell (317) 695-7703

Ouellette & Associates handles Mediation and Settlement Conferences

Mediation’s and Settlement Conferences are becoming more frequent lately due to high volume caseloads in the court system with many requiring the insurance company have a representative present. Due to this request, many insurance companies are turning to Independent Insurance Adjusters to be that presence and many are choosing Ouellette & Associates!

With this, our Adjusters are building a good rapport with judges, defense counsel and the insurance company making for easier handling of these cases for all involved. We would appreciate the opportunity to represent you during your next Mediation or Settlement Conference – we are just a call away!


Joe Ouellette – President


Now with Claims Adjusters in OH, KY, IL & MI

On-Scene Truck Accident Investigation, Huntinton, IN 12.28.16

For over 17 years, Ouellette & Associates has been handling long haul trucking and cargo claims in Indiana. Our owner managed an IA firm that specialized in trucking claims 14 years prior to that. Our CEO, Joe Ouellette, has been handling these types of claims for over 57 years and is still an active Adjuster for us. Along with Joe, our other Team Ouellette Adjusters have a combined total of 150 years’ experience.

We have handled claims for a nationally-known and well-recognized worldwide Trucking and Air Cargo Transportation Company for roughly 31 years. Recently, we were approached by this company to not only handle claims for the entire state of Indiana but to also handle claims in our surrounding states of Ohio, Kentucky, Illinois and Michigan.

O&A Service Area

Ouellette and Associates – Service Area

Once this new and exciting opportunity arose and we decided that this was a great step forward for O&A, we went into action. We interviewed NAIIA member firms and put together a team of qualified Adjusters in Ohio, Kentucky, Illinois and Michigan to help us handle claims for this Trucking Company.

We now proudly not only have a strong presence in the state of Indiana, which we have held for over 17 years, but also in our bordering states in order to handle claims for this company with the quality and care that Ouellette & Associates is known for!

All claims, regardless of which state it is in, will be called into the Indianapolis our office at 317-915-9136 or email directly to Matt Ouellette . We will then dispatch the appropriate Adjusters in any of these states to handle the field work and reporting. All reports will continue to be reviewed for quality and accuracy by Matt Ouellette before being sent onto our client.

With the above in mind, we are now able to handle all lines of claim assignments in all 5 of these states. So, should you have a Trucking, Property, Casualty, or GL claim – please give Team Ouellette & Associates the opportunity to handle these claims in Indiana, Ohio, Kentucky, Illinois and Michigan.

The Role of an Independent Adjuster in Property Damage Claims

Property damage can be expensive to repair, which is why most people have adequate insurance to cover the expenses. They pay premiums on insurance for commercial and residential properties and fully expect to get financial compensation if their property is damaged due to a covered peril. However, before they can claim the compensation, the property damage must be assessed. This is done by the insurance adjuster.

Who is an Insurance Adjuster?

The insurance adjuster is a professional who will inspect your property damage thoroughly and provide the report to your Insurance Company, with recommendations of payment. It is the adjuster’s duty to be thorough and inspect every area that has been effected by the covered peril, preparing an estimate and reaching an agreed scope and estimate with the contractor of your choice.

How to Handle the Claims Process

• Call the insurance company as soon as you can and report the damage. You should know that the insurance company will listen to everything you say carefully, so be honest and provide as many details as you can. You should also tell them if you’re uncertain about the full extent of the damage.

• Ask the insurance company to send a property damage adjuster immediately or hire third party independent adjuster to provide unbiased and straightforward advice.

• Once they’re in your property, point out the area where the damage is most visible and let them know if you don’t understand the full extent of it. As an insured person, you should make sure that the adjuster doesn’t limit their inspection to areas with visible damage. Not all damage caused by storms, floods, accidents, etc, are immediately apparent. You need to inspect the property closely to determine the full extent of the damage.

What Role Does the Insurance Adjuster Play?

An insurance adjuster is a very important part of the claims process. They help you and the insurance company agree on the acceptable compensation amount. Without the insurance adjuster, the insurance company would offer a possible compensation amount while you would try to get the highest possible one. Here is how an insurance adjuster can help you:

• They’re well-trained and have experience in assessing property damage. They’re familiar with different types of damage caused by natural disasters and accidents, so they’ll know where to check and how deeply they should investigate the matter.

• Adjusters are also familiar with the latest industry prices, so they will provide a fairly accurate estimate of the repair cost. An unbiased adjuster will ensure the compensation amount covers good quality materials and labor.

• An independent adjuster will meet with the insurance company representative and explain the extent of the damage and recommend steps which would restore the property to the pre-loss state.

• The adjuster’s goal is to ensure the company and the insured individuals come to an agreement regarding the compensation amount.

As you can see, the insurance adjuster plays an important role in the claims process and the right adjuster can ensure all parties involved are satisfied.

Ouellette & Associates, Inc. is an independent insurance claims firm covering the entire state of Indiana and the adjacent counties of Illinois, Kentucky, Michigan and Ohio. Click here to assign a claim.