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Report incidents immediately. Notify your agent and
carrier right away when anything happens-such as a fire, accident
or theft-that could result in a claim.
Take steps to protect your property from further damage.
Most policies cover the cost of temporary repairs to protect
against further damage, such as fixing a window to prevent
If possible, save damaged parts. A claims adjustor may
want to examine them after equipment repairs have bee made.
Get at least two repair estimates. Your claims adjustor
can tell you what kind of documentation the insurance company wants
for bids on repairs.
Provide complete documentation. The insurance company
needs proof of loss. Certain claims require additional evidence.
For example, a claim for business interruption will need financial
data showing income before and after.
Communicate with your agent and claims adjustor. Though
your claim is against the insurance company, you agent should be
kept informed so he or she can help if needed.