Submitting Your Claim: Checklist

1. Contact Your Agent

  • Give your name, address, policy number, and the date and time of your loss.
  • Make sure to tell your insurance agent where you can be reached, especially if you are unable to stay in your home.
  • Follow up the call with a letter detailing the problem. Keep a copy of the letter.

2. Carefully Document Your Losses

  • Make a detailed list of lost or damaged property.
  • Videotape and/or photograph damaged property before beginning any repairs.
  • Do not throw away damaged property without your adjustor’s approval.
  • Try to document the value of each object lost. Bills of sale, canceled checks, charge account records, and insurance evaluations are good evidence. If you have no such records, estimate the value, and give purchase place and date of purchase. Include this information with your list.
  • List cleaning and repair bills, including materials, cost of rental equipment, and depreciation of purchased equipment.
  • List any additional living expenses you incur if your home is so severely damaged that you have to find other accommodations while repairs are being made (this includes motel bills, restaurant bills, home rental, and/or car rental).

3: Protect Your Property from Further Damage or Theft

  • Patch roofs temporarily. Cover broken windows with boards or plastic.
  • If household furnishings are exposed to weather, move them to a safe location for storage.
  • If your home has been flooded, protect your family’s health by cleaning up your home right away.

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts and deductibles are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.
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