When something happens.
WHAT TO DO IMMEDIATELY
Make the situation safe Prevent further loss
Record everything: photographs, notes, times
Report to the police, where required
THE POLICE REPORT
Frequently required for theft or malicious damage.
Obtain a report reference.
WHEN TO NOTIFY THE INSURER
Promptly. Policies specify periods.
Late notification can affect a claim.
WHAT TO PROVIDE
What happened, when, and what was lost
Evidence: photographs, receipts, inventory
Any report reference
WHAT NOT TO DO
Dispose of damaged items before they are inspected Begin repairs without authorisation, unless preventing further loss Overstate the claim
THAT LAST ONE
Overstating can invalidate the entire claim, not merely the exaggerated part.
WHAT TO KEEP
A record of every communication about the claim.
WHAT TO ASK
What the process is, and how long it takes.
WHAT TO DO IF A CLAIM IS DECLINED
Ask for the reason in writing Check it against the policy Ask your broker to review it
