This information is intended as a general reference only. You should thoroughly review your policy so that you are aware of specific definitions and conditions that apply to the insurance coverage you purchased.
Insurance policies are contracts between you and your insurance company. You should understand the policy before a loss occurs. Review your policy with your insurance broker so you'll know what's covered.
Filing Your Claim
- Contact your Broker about your loss. If the loss or damage is not an emergency you may contact your Broker on the next business day. If the loss or damage is an emergency, you may contact your broker or the nearest office to report your claim.After Hours Claim Emergency Number.
- Report any burglary or theft to police. In many areas all personal injury automobile accidents and all accidents resulting in property damage in excess of a certain dollar amount must be reported to the police.
- In the event of an accident, phone your Broker immediately, regardless of who may have caused the accident. Ask questions such as "What coverage do I have ?" "How long does the claim process usually take ?" Who is responsible to obtain damage estimates?" "Does my claim exceed my deductible?
- As soon as it is safe to do so, make temporary repairs and take other steps to protect your property from further damage. Save receipts for what you spend and submit them to us for consideration. Remember that payments for temporary repairs are part of the total settlement.
- You may be required to submit various forms or documents in support of your insurance claim. Examples are: "proof of loss" forms; medical invoices; repair bills and a copy of the police report. Your insurance broker or the adjuster will help explain what is needed. Return the properly completed forms as soon as possible.
- Let us know where you can be reached.
- Maintain records of your expenses and copies of your paper work. Also retain copies of whatever documents and correspondence we provide to you.
