What to expect when filing a claim?

-> If you have suffered a loss, immediately call your broker. They will record the details of your claim and inform your insurer.

-> Record what is damaged; take photos if you can. Do not throw away any damaged property before your adjuster contacts you.

-> Prevent further damage; turn off your water, cover a broken window, or secure the broken door.

-> Establish repair costs by keeping records of damages and receipts for past purchases.

-> Obtain quotes for repairs or replacement of items damaged. The repairs go through a tendering process involving getting quotes from multiple contractors.

-> Finalize your claim. In some cases, you may get a cash settlement right away, or you may be required to sign a Proof of Loss Form. This form means you agree to the final payments or repairs.