Property Insurance Claim Instructions

  1. Protect property from further damage.  Avoid further insurance claims.
    • Cover if exposed to the elements.
    • Make any reasonable or necessary temporary repairs to protect the property from further damage.
    • Keep a record of all expenses.
    • Separate damaged and undamaged contents.
  2. Photos:  Take pictures of damage.
  3. Inventory:  Prepare a list of damaged contents.
    • List quantity, description, and value.
    • Attach bills, receipts, estimates, and related documents.
  4. Keep it:  Retain damaged property until an insurance claims adjuster approves of its disposal.  The adjuster may need to inspect the property.  Also, the insurance company may be able to salvage the damaged property.  However, if the damaged property presents a danger to people, other property, or could increase the insurance claim, go ahead and get rid of it.
  5. Report Your Claim directly to the insurance carrier or to Bankers Insurance.
  6. Police:  Notify local law enforcement in the case of theft.  Request a copy of the incident report to include with your insurance claim.

Expect to be contacted by an insurance claims adjuster from your insurance company within two working days.  Please Contact Us if you have not been contacted within that time frame.

If the damage significantly affects you, we will request that the insurance carrier expedite your claim.  Please let us know immediately if circumstances change and this loss will have a greater impact than originally anticipated.

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