Focused on Risk

Report the loss as soon as possible.

Most policies require you report your loss promptly. Some have added policy conditions that you must report within one year after the date of loss.  Provide a description of damage and have your policy number handy. Make a note of the claims adjuster’s name, phone number and claim number.

Protect yourself and others.

Be careful about entering a damage building, report downed power lines or gas leaks to the utility companies.

Protect your property.

Take reasonable steps to protect your property from damage. Check with your company if they will pay to help protect your property.

Prepare a list of damage or lost items.

If possible keep damaged items so the adjuster can see them. If that’s not possible, take photos or videos. Prepare a room by room list of contents with photos will help your remember items that have been destroyed.

Keep your receipts if you need to relocate.

If you can’t live in your home while repairs are being made, keep records as most homeowner policies will reimburse you for additional living expenses.

Return claim forms.

Fill out claim forms sent to you by your insurance company as soon as possible. An adjuster will want to inspect the damage to your home. The company will give you an advance on necessities and issue additional checks if needed. If you have a mortgage on your house, the check for the repairs to the dwelling will usually be made out to both you and the mortgage company.

If you would like more information on Natural Disaster Coverages please don’t hesitate to call Mary Lewis with CS&A Insurance at 800.999.1109 or you can view CS&A’s Natural Disaster Coverages Magazine.
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