There are many reasons why you might need to make a Property & Casualty insurance claim. A fire or flood could damage your property; your business could be burglarized or frauded; one of your staff members could get into a collision while using a company vehicle. Here are the steps you should take if you need to make a Property & Casualty insurance claim: Prevent further damage If needed, call emergency services for emergent situations. If required, call emergency restoration services to prevent the situation from worsening. For example, you would call emergency restoration services to pump out water and dry a building out in the event of a flood to prevent the development of mold. File a report with the authorities In some incidents, we will require an official report from the authorities to be able to process your claim. For example, in the case of a fire, we will need a report from the Fire Marshal and in the case of a crime like fraud or burglary, we will require a police report. Call your account executive As soon as possible, notify your insurance broker of the incident. Provide as much detail as possible about the circumstances and the assets that have been damaged or lost. If it is safe to do so, take photos of the damage. Be sure to provide a main point of contact for the individual who will be handling the claim. Await an adjuster After you make a claim, you will be contacted by an adjuster who will set up a time to take a statement, will determine the amount of damage or loss, and will go over a proof of loss. The adjuster will hire an appraiser or contractor to assess the loss. Get quotes Get quotes (usually three) for repairs or replacements. Submit them before beginning repairs or replacing assets. Once completed, the adjuster will contact you regarding the settlement of your claim and payment. Be sure to spend time familiarizing yourself with your policy to ensure you understand your coverages, rights, and responsibilities. Contact your account executive to review your policy to ensure all coverages of properties, assets, and operations are up-to-date.