Claims

The starting point for any claim is triggered by a loss. While the following best practices may seem obvious, during a loss it can be hard to remember what to do.

Report
If there was a theft, vandalism, robbery, or malicious act, report to the authorities or police and notify banks and credit card companies about any stolen debit or credit cards

If there is a fire, call your local emergency fire service.

Protect your property from further damage
Where it is safe to do so, take immediate action to protect your property and prevent further damage.

• Shut off your water supply and contact a plumber if necessary. Remove any excess water.
• Secure broken windows, doors and openings in the roof and walls of the business.
• Separate and remove undamaged contents from affected areas. Do not dispose of anything, including damaged building materials, plumbing fixtures, and appliances until you have spoken with your adjuster.

Document your Loss
Take photos and list details of damaged or stolen items.

• Do not dispose of any contents, appliances, building materials or plumbing fixtures.
• Keep accurate records of time spent repairing or cleaning items.
• Gather proof of ownership which can include original purchase receipts, bills, appraisals, warranty and manual information, or photographs.

Save receipts for any expenses you incur because of your claim.

As your broker is your first point of contact to purchase insurance, they are also there to help you through a claim. Report your claim as soon as possible. Provide details of your loss including any photos, video, witness testimony, and contact information.

Once you have reported your claim, it will be reviewed in full to understand the facts and determine liability (if applicable). A Claim Adjuster may attend your property to help with the review or to gather additional information. To understand the extent of the damages, FPI may enlist the help of appraisers, engineers, medical experts, or contractors.

You can help the progress of your claim review by:

• Completing and returning any forms
• Providing a statement and other documentation when requested
• Assisting with obtaining repair estimates.
• Notifying your adjuster of any concerns or problems along the way

Once the claim has been documented, it can be compared to the coverage listed in your insurance policy. This part of the process is very thorough to ensure you receive what you are entitled to. Your adjuster will also advise you about applicable insurance deductibles or limits as they apply to your claim.