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If you have incurred property damage exceeding your deductible, please take all necessary steps to protect your property from further damage. Please take photos of all damages. DO NOT discard any damaged personal property until given the OK by your insurance adjuster.


What To Do Immediately After A Claim 

  • Take steps to protect yourself and your family.
  • Protect the property from further damage. You have a duty, per your policy, to take reasonable steps to do so.
  • If it is safe to do so, take photos of all damage before you start any repairs. This will make it easier for the adjuster and the insurance company to settle your claim promptly.
  • Keep accurate records of all expenses, such as temporary repairs and additional living expenses.
  • Itemize the damaged or stolen property, including the manufacturer, brand name, age, place of purchase and purchase price.
  • Report burglary/theft claims to the appropriate authorities, so there is a police report on file.

If you have a contractor making repairs before the claims adjuster gets to you, please make sure you have photos of ALL damage you are reporting as part of the claim. Without these photos, your claim may be denied.

If you are unable to report your claim directly to our office by phone, please refer to the direct reporting numbers below. You will need your policy number when calling any of these numbers.


Personal Lines

American Reliable  800-245-1505

Foremost 800-245-1505

Frontline 866-673-0623

Kemper 888-252-2799

Lexington 800-931-9546

National General 800-468-3466

Nationwide/Allied 800-421-3535

Penn National 800-766-2245

Progressive 800-274-4499

Wright Flood 800-725-9472


Commercial Lines

Bankers Insurance Group 800-765-9700

Builders Mutual 800-809-4862

Frontline  866-673-0623

Genesee Insurance 800-282-8755

Guard Insurance 800-673-2465

Hanover Excess (Lloyds) 800-672-9006

ICAT 866-789-4228

Nationwide/Allied 800-421-3535

Penn National 800-766-2245

Travelers 800-238-6225

USLI 888-875-5231

Wright Flood 800-725-9472





GR Little Agency Over 100 Years of Excellence


G.R. Little Agency is committed to being the premier independent insurance agency on the Outer Banks of North Carolina. We are a professional organization dedicated to providing the best insurance value and service available, while maintaining the highest ethical standards and credibility with our clients, carriers, and the public. We are a general independent insurance agency with a broad range of Commercial, Personal, Life, and Health products. We’ve aligned ourselves with some of the finest carriers to deliver these products to you.

Orville and Wilbur Wright
In 1903, Orville and Wilbur Wright took flight just down the road from our Kitty Hawk office.  That same year, G.R. Little Agency was formed. Today, after more than 100 years of service, we are proud to continue to offer the full spectrum of property, casualty, life and health insurance products for individuals and businesses throughout Northeastern North Carolina.

With Offices in Kitty Hawk, Elizabeth City, and Edenton, we are well positioned to provide outstanding service to our clients utilizing a staff of twenty dedicated insurance professionals.

We have a deeply rooted tradition of providing professional service to our many clients and the insurance companies that we represent. We are proud to be a respected member of the communities in which we have successfully operated for over 100 years.


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