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CLAIM
PREPERATION
What to do following
property damage or loss
By following these suggestions, you can help us deliver
speedy, effective management of your claim for property
damage or loss:
- Take photos or a video of all building and content
damage before making any emergency repairs.
- Protect your property
to prevent further loss. For instance, put a tarp on
the roof, do temporary building repairs, move or remove
trees, and move property out of harm's way.
- Preserve
damaged property to prevent further damage and save
it so the insurance company adjuster can see it.
- Get a written
estimate to repair building damages.
- Make a room-by-room
list of damaged property, showing quantities, ages and
replacement prices.
- Keep an accurate list of all additional
living expenses.
- Keep an accurate list of the supplies you
buy to do emergency
repairs.
- If you must leave your normal residence, leave
a forwarding address or phone number where your agent
and claims adjuster can reach you.
Keep an inventory of your
belongings
If you make an inventory of your belongings, we'll be
able to replace them more quickly after a loss. For starters,
make categories on a sheet of paper. You might want to
include electronics, furniture, appliances, hobby items,
fine art, collectibles, jewelry, tools, and clothing. For
larger items, record serial numbers. Whenever you can,
save receipts, and take photographs or make videotape.
Keep all these records away from your house, such as in
a safe deposit box. Review the list with your agent, to
make sure you know which items are covered by your insurance,
and which items might not be covered. We will be happy
to keep a copy of your list in your customer file for safe
keeping.
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