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.
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.
For farmers, follow the guidelines of your risk management plan when responding to fire, collapse, entrapment, and other emergencies on the farm.
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 home, business, or farm building.
- 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 (hotel and meal expenses, replaced contents, lost rent).