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If you suffer a loss, the first thing to do is to notify your insurance company and us. You should do this by telephone, although it is a good idea to follow up with written notification.
It is also important to notify your insurance company promptly after any incident takes place that might result in a claim at some later date, even though no claim was made at the time the event occurred.
For example, if a guest falls on your property, it should be reported to the insurance company even though you don’t know whether any claim is actually going to be made against you. Your failure to notify the company promptly might allow it to deny coverage in the event a claim if filed against you at a later date.
It is also important to protect your property against further damages. For example, if due to a covered peril your windows are broken, have them boarded up to protect against further vandalism or burglary. The cost of this type of protection is covered by, and would be reimbursed by your insurance company. However, no permanent repairs should be made until your company or its representative has inspected the property.
The company has the right to inspect the property in its damaged state, and can refuse to pay you for any damage that is repaired before inspection.
An adjuster will be sent from your insurance company to examine the damage and give you an estimate of the cost of repairs or replacement.
In the event you are unfortunate enough to experience a major loss such as a fire or severe windstorm which has badly damaged or destroyed your home we may suggest to hire a licensed public adjuster to act on your behalf with your insurance company.
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