Answer: Lutheran Mutual receives its financial rating from Demotech, Inc.  Our most recent Financial Stability Rating® (FSR) is A’’.  This level of FSR is “assigned to insurers who possess unsurpassed financial stability related to maintaining positive surplus as regards policyholders, reasonable loss and loss adjustment expense reserves and realistic pricing.”  We also carry reinsurance (insurance on our insurance) through Wisconsin Reinsurance Company.  For more information visit demotech.com or thewrcgroup.com.

Answer: Many small claims can be handled by a staff adjuster over the phone in conjunction with the faxing or e-mailing of receipts, estimates, etc.  This has the added benefit of expediting the process and getting you payment as quickly as possible.  For more complex claims we use the firm of L.J. Shaw & Co. based in Lombard, IL.  L.J. Shaw is one of the largest independent adjusting firms in the Chicagoland area and has specialized in damage appraisals for over 80 years.  You can learn more at ljshaw.com.