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    Suggested Claims Procedure

    Procedure In the event of a claim, the insured should attempt to follow the procedures outlined hereunder in order to have the matter expeditiously resolved.

  • Write down the names and addresses of all parties involved in the accident.
  • Obtain the names and addresses of all witnesses to the accident.
  • In the event of bodily injury, make sure that the injured parties receive medical assistance.
  • Report the matter to the nearest police station.
  • Keep a record of the measurements of the accident scene and confirm this information with the investigating police officer.
  • Take the name and number of the officer to whom the report is made.
  • Wherever possible make a sketch drawing of the scene of the accident.
  • It is a condition of most insurance policies that an insured should make no admission of liability.
  • Report the matter in writing immediately to the Insurance Company together with all the relevant supporting documents.
  • Obtain at least two (2) estimates of repair/replacement/reinstatement costs.
  • Co-operate fully with the investigating officer assigned by your Insurance Company.
  • Note and fulfill the terms and conditions of the insurance contract upon which the claims will be made.
  • Some policies require that the insured carry an excess/deductible.
  • Read your policy contract to determine the amount of the policy excess/deductible.
  • Co-operate with your insurance company in all matters dealing with the accident.
  • It is a condition of your insurance policy.

    Here's what to do when you have a home insurance claim:

  • Report either any burglary or theft to the police. Promptly notify either your insurance company or agent of your loss.
  • Make a detailed list and description of damage, including photographs if possible.
  • Collect your cancelled cheques, receipts and other documents to help the adjuster set a value on damaged or destroyed property.
  • Review your coverage. If you can't find your policy, ask your agent or company for a copy.
  • Take steps to protect your property from further damage. As soon as it is safe to do so, make temporary repairs and take other steps to protect your property from further damage.
  • Be present during the insurance adjuster's inspection and take notes on the discussion.
  • Keep good notes on all contacts with your insurance company and adjuster. Your chance of getting a satisfactory settlement improves when you are well-prepared with the facts.

    This information is intended as a general reference only.

    You should thoroughly review your policy so that you are aware of specific definitions and conditions that apply to the insurance coverage you purchased.