What To Do If You Have A Claim

Claim

As you know – accidents happen. It is our job to help you through what happens “after.” Here are a few FAQs and steps to follow if/when you have a claim.

Q. I’ve been in an accident – what now?

A. Start by reporting your claim to your agent. They need to know:

  • When & where the accident occurred (be as specific as possible)
  • How the accident happened
  • What kind of vehicle or vehicles were involved (including the year, make, and model)
  • A description of the damage on each vehicle
  • Names and contact information of people involved in the accident
  • The extent of any injuries to people involved in the accident
  • Names and contact information of anyone who witnessed the accident
  • The law enforcement agency that responded and the police report number, if police were contacted
  • Any pictures you have taken, to document & support your claim

Q. I have damage to my property-what now? 

A. Call your agent and let them know:

  • When the incident occurred.
  • A general description of what happened.
  • Location of the damaged property and what was damaged.
  • Condition of the home and if it is still livable.
  • If temporary repairs are needed.
  • If the fire or police department was contacted, which department responded and any report number.
  • Your contact information and the best time to reach you

Q.  Do I need to protect my home from further damage? 

A.  Yes, once it is safe to do so, it is your responsibility to protect your property from further damage. 

  • Take photos to document damage, then arrange for reasonable temporary repairs such as boarding up broken windows, covering the roof, and removing debris.
  • Keep a list of any temporary repairs you make to document the damage, and make sure to save  your receipts.
  • If possible, place damaged items in a secure area where they can be inspected. If you are unsure about an item, include it with the damaged property.
  • If you have fire or smoke damage, do not try to clean the damaged items. Sometimes cleaning things without the proper equipment can cause more damage.
  • If you have water damage, vacuum or mop up standing water. Remove all furnishings from the damaged area. Do not run fans without dehumidifying.

Please also call us here at Town & Country Insurance, so we can let you know what to expect in the coming days.