How do I make a claim?

Alert us as soon as practically possible

If there is any danger or on-going damage occurring, your first priority should be to ensure your safety and limit the damage to your property. At that point, you should take care to act quickly and with the right information.

Keep phone numbers available

Alert the police of any theft or break-in

Alert us of an insured loss as soon as your situation permits.

We can advise you as to whether or not you should make a claim. Your loss might not be covered or even if it is covered, you might still not want to make a claim if your premiums will increase as a result

Do not alter evidence of the loss

For example, by starting to clean up after a pipe bursts or altering the scene of a break-in. If you absolutely must alter anything take detailed pictures of the damage first

Work with us as well as the claims adjuster

Once your claim has been made, the insurance company may appoint an adjuster to get a clear picture of the circumstances and extent of the loss. They may assist in securing repairs and can help with arrangements for accommodations. They might also decide to limit the amount of a payment or to not pay at all – depending on the situation. If you are unsure about the role of your adjuster and the information they are using, be sure to contact us and we will help bring clarity to the situation.