Protect people
Call emergency services when needed and take reasonable steps to prevent further injury.
Claims guidance
A calmer first response after a loss.
Protect people, prevent additional damage when safe, document what happened and report the loss through the official claims channel for the carrier.
First steps
What to do after a possible claim.
Every situation is different. Safety and emergency instructions always come first.
Limit additional damage
When safe, take reasonable temporary steps without making permanent repairs before guidance.
Document the scene
Photograph damage, surroundings and relevant details. Keep damaged property unless instructed otherwise.
Report promptly
Use the claims contact shown on the policy or carrier materials and preserve the claim number.
Track expenses
Keep receipts, estimates, communications and a simple timeline of what happened.
Claims questions
Keep facts, records and expectations clear.
Claims are handled by the issuing carrier under the terms of the policy.
Should I admit fault after an accident?
Focus on safety and accurate facts. Avoid speculation or promises. Cooperate with law enforcement and your insurer as required.
Can I begin repairs immediately?
Take reasonable action to prevent additional damage, but document first and ask the carrier before permanent repairs when circumstances allow.
Where do I find the claim number to call?
Use the carrier claim information on the policy documents, insurance card, mobile app or official carrier website.
Does reporting a claim guarantee coverage?
No. The carrier investigates the facts and applies the actual policy terms, limits, exclusions and conditions.