CLAIM GUIDANCE

In the Event of A Claim...

Q. I've been in an accident - what now?

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A. Start by reporting your claim to our agency. We will need to know the following:​

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• When the accident occurred

• Where the accident occurred (be as specific as possible)

• How the accident happened

• What kind of vehicle or vehicles were involved (including the year, make, and model)

• A description of the damage on each vehicle

• The names and contact information of people involved in the accident

• The names and contact information of anyone who witnessed the accident

• The name of the law enforcement agency that responded and the police report number, if police were contacted

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Q. I have damage to my property - what now?

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A. Call our agency and let us know:

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• When the incident occurred

• A general description of what happened

• The location of the damaged property and what was damaged

• The condition of the home and if it is still livable

• If temporary repairs are needed

• If the fire or police department was contacted and which department responded along with any official report number

• Your contact information and the best time to reach you

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Q. Do I need to protect my home from further damage?

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A. Yes, once it is safe to do so, it is your responsibility to protect your property from further damage.

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• Arrange for reasonable temporary repairs such as boarding up broken windows, covering the roof, and removing debris

• Keep a list of any temporary repairs you make to document the damage and make sure to save your receipts

• If possible, place damaged items in a secure area where they can be inspected

• If you are unsure about an item, include it with the damaged property

• If you have fire or smoke damage, do not try to clean the damaged items

• Sometimes, cleaning things without the proper equipment can cause more damage