If a loss occurs, do you know what to do?
When a person suffers a property loss, whether it is by theft, fire,
damage to personal property or other causes it is usually a traumatic
time. The last thing you want to do is to have to think about “what do I
have to do”?
In order to help you out, I have taken care of that for you.
Attached is a form, a checklist, of those things you need to do if you, in fact, suffer a property loss.
Property Loss Checklist
Contact your local agent
Keep a timeline of pertinent events
If a crime was committed notify law enforcement
Obtain copies of police / fire dept. report, if applicable.
Obtain identification of all emergency personnel that assisted
Record and Photograph the damage (photograph from different
Record an inventory list of all damaged/stolen property
Keep all damaged parts/property
Document all conversations relating to loss (When, Who, What?)
Take steps to prevent further damage property (remember to
keep copies of receipts for expenses)
Secure location if uninhabitable
Stop deliveries of newspapers, mail, cable
Obtain repair estimates
Obtain copy of adjusters report
If power is out, have water turned off (winter months) eliminate
pipe freezing exposure
Ensure all appliances / electronics are unplugged (avoid power
surge when power comes back)
Make copies of all correspondence
Make copies of all claim checks
If property uninhabitable, and need to reside elsewhere:
Keep receipts of
Travel expenses (additional mileage as a result of loss)
Room and board expenses
Storage expenses if property needs to be moved and stored
A loss is traumatic enough, no sense making it harder than it already is.
Hopefully this will help.
Page Insurance, Ltd
102 Boston Street
Guilford, CT 06347