Property Program

The MMIA Property Program provides coverage for a range of risks to member cities’ property. The Program was developed in response to membership requests for this form of coverage and began on July 1, 1998. The Property Program includes coverage for buildings, vehicles, and construction equipment as well as coverage for animals, art, and property with historical significance. An invaluable part of the program is the Liability/Property Claims Unit that adjusts all property claims on behalf of the MMIA member cities.

Today, the Property Program has 114 incorporated cities and towns that participate as members.

Access MMIA Member Portal - OrigamiRisk

User Instructions:

Need to report a new claim?

City or Town representatives may click the photo below to report a Property Claim.

Property Program Contacts

Coverage Documents

FAQ

Property Program Contacts

Name	Position	Phone Number
Ann Komac	Claims Manager	406-495-7011
Mark Gauthier	Senior Liability/Property Claims Adjuster	406-495-7007
Richard Allums	Senior Liability/Property Claims Adjuster	406-495-7001
Cecilia Keil	Senior Liability/Property Adjuster	406-495-7015
Amanda Krissovich	Liability/Property Claims Adjuster I	406-495-7005
Laura Wigen	Property Program Specialist	406-495-7024
Sue Dalin	Liability/Property Claims Technician	406-495-7000

Not sure who to contact? Contact the Liability/Property team at liability@mmia.net or 800-635-3089 option 3

Coverage Documents

FAQ

Frequently Asked Questions

When should I report a new vehicle/building/etc.?

The MMIA recommends reporting all new acquisitions as soon as possible. While you do have 18 months to list all acquisitions on your property schedule, the MMIA has annual renewal process to catch items purchased mid-year.

What is Boiler Coverage?

Coverage extends to all Property program members for boiler and machinery mechanical breakdown. If you have a State of Montana licensed boiler, it must be scheduled in order to take advantage of a free annual inspection.

What is Replacement Value?

This amount is an estimate of what the cost would be to replace the item if it were lost or damaged. The value is a basis for determining coverage cost. If your car has a replacement value of $45,000, but the actual replacement will cost $52,000, we will pay up to $52,000 to replace it.

What is Stated Value?

This is the maximum amount your item is covered for. If the property is scheduled for a stated value of $1,000, we will only pay up to $1,000.

When do I have to notify MMIA of changes?

All changes must be submitted at least once each year with your property renewal (occurs January through March). Any change in covered structures/real property, regardless of value, must be reported as it occurs throughout the year. Any change in personal property with a value of $100,000 or more must be reported as it occurs throughout the year. Changes in vehicles with values of $100,000 or more must be reported throughout the year. Changes in vehicles and equipment valued at less than $100,000 need only be reported at renewal. Note: Any single change of $700,000 or more, reported in the first six months of a policy period is subject to additional premium.

What happens if a piece of equipment or real property is not listed on the Member’s property schedule?

Coverage will be the actual cash value. This is typically less than the Stated or Replacement Value. This is why it is important to make sure all property is reported to the MMIA.