Claims

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February 27, 2017
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March 1, 2017
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Claims

What to do in case of a loss.

If you have a possible claim, here are some suggestions to increase your comfort and confidence about resolving the situation to the best of your ability.

  • First, what needs to be done to stabilize the situation?

    Loss involving damage to property: Make reasonable decisions to protect the property and minimize risk of further loss or increased costs. This makes sense even if you are uninsured. If coverage applies, this is expected.

    Loss involving personal injuries: There may be limits to what you can do to stabilize the situation. Obtain identities and information about injuries and treatment, if you can reasonably do so.

    Generally, try to not alter physical evidence or dispose of materials until there is an opportunity for inspections and possible evidence retention. If physical evidence requires alteration to further protect property or life, careful decisions are in order. Preserve as much as possible.

  • Second, contact our agency. Provide all available information, and information for reaching you—even more important if you have to temporarily move. Our agency is a valuable resource, with experience, insight and familiarity with our community.
  • Third, if repairs will be needed, begin to identify who you might hire to do that work. Your selection of someone to do the repairs to your satisfaction is important.
  • Fourth, collect and maintain documentation related to the event; retain receipts and invoices; and make notes to assure that you will have an effective record of the event and its consequences.

Following these suggestions immediately after a loss will help you move through the experience with the information needed to make effective decisions.