Life happens. Accidents, storms and damage occur on a daily basis. We’d like to think it won’t happen to us, but when it does, you’ll hopefully have your insurance agent and your insurance policies in place to get life back to normal. However, right after a damaging event occurs, do you know what to do?
Q. I’ve been in an accident – what now?
A. Start by gathering information for your insurance carrier. When you report your claim they need to know:
- When the accident occurred
- 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 to each vehicle
- The names and contact information of people involved in the accident
- The extent of any injuries to people involved in the accident
- The names and contact information of anyone who witnessed the accident
- The name of the law enforcement agency that responded and the police report number, if the police were contacted.
Q. I have damage to my property – what now?
A. Call your insurance carrier and let them know:
- When the incident occurred
- A general description of what happened
- The location of the damaged property and what was damaged
- The condition of the property and if it’s still habitable
- If temporary repairs are needed
- If the fire or police department were 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 property from further damage?
A. Yes, once it is safe to do so, it is your responsibility to protect your property from further damage.
- 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 items without the proper equipment can cause more damage.
Please find a list of all our claim contact information for our carriers HERE. Please also call our agency at 303-429-3561 when you have a claim so we can let you know what to expect and provide you with further assistance or answer any questions you may have. Don’t worry, we’ll get through this together.