Making a Property Claim
Updated: May 3, 2019
When your property suffers a loss, it can be a difficult time… Filing a claim shouldn’t be. Being prepared and knowing what to expect will help you in the event of a loss.
Knowing your coverage. Review your policy, DUTIES OF THE NAMED INSURED IN THE EVENT OF LOSS OR DAMAGE, for information concerning claim reporting. Understanding your coverage is important as well so you know what exclusions, limits, and add on provision you have included in your policy. This will help you in organizing and filing a claim if one should occur. Your policy limits and deductibles will help you to determine how much your insurance will cover and what you will need to pay out-of-pocket. Exclusions will show you what won’t be covered. This will all help you to determine the best route moving forward and what to expect.
Don’t Wait. A key element to resolving claims quickly is timely reporting! By reporting claims timely, the claims department has the opportunity to inspect the damages, interview witnesses and address any potential coverage questions first hand. Delays in reporting claims can lead to misinformation, missing information, unresolved coverage questions, delay in claim payments and denial of coverage. CIBA’s Claims team, Claims Adjusting Group (CAG) is available to help you in the event of a loss. Our claims hotline can be reached after business hours and on holidays by phone: 818.645.1079.
Notify Authorities. If your home or business was burglarized or vandalized, make a report to the police. Get a copy of the police report that was filed.
Documentation. If you move forward with making a claim, you will be responsible to promptly fill out claims forms that will be send to you by your insurance company. Return these forms asap to avoid any unnecessary delays.
Ask Questions. If you have questions about filing a claim, or how to handle a situation during the claims process, call your insurance professional right away so that they can assist you through it.