Download How Do I Report a Claim - May 18 2016

How do I report a claim?

Call 1-800-876-4163 The sooner your insurer knows about the claim, the sooner they
can start the claim process by investigating and assessing the loss.
Identify yourself and advise you have a claim to report. You will be immediately
connected to either Jeff Orr or Janice Castell during business hrs. If after hours call
Intact’s after hours claims phone number 1-866-464-2424. Intact insurance will be
immediately contacted and they assign an adjuster to your claim within 24hrs.
Depending on the type, complexity or the potential amount of the claim, the insurance
company will either assign the claim to a telephone adjuster, who will contact and
handle your claims by telephone, or to a field adjuster who will make contact and
handle your loss at your offices and location of the loss. He will guide you through all
the steps & documents required to determine the value of the loss.

The field adjuster will meet with you as soon as possible after a loss to review the
following;
o The circumstances surrounding the loss
o The type and nature of the physical damages to your assets
o How these damages affect your operations and business
o Your priorities following the loss and moving towards recovery
o How your insurance policy or policies may or may not respond to various aspects
of your losses
o The steps in the claim adjustment process, including the procedure for advance
payments to deal with immediate financial needs
o The need for a signed authorization form to allow the insurance company to
investigate the circumstances surrounding the loss and gather the necessary
information and documentation to support your loss
o What information and documentation is required in support of your claim
o What other professionals who may be retained by the insurance company with
respect to investigating the circumstances surrounding the loss or assessing the
damages sustained as a result of the loss.

Other professionals involved in the adjustment of your claim: From time to time, the
insurer will require the services of specialized professionals such as cause and origin
experts, architects, engineers, equipment consultants, restorers, contractors, and
accountants to assist with the review of the claim you are presenting. These
professionals are retained by the insurance company and are paid for by the insurance
company. These costs do not affect the limits of coverage under your policy.

Authorization for repairs or restoration to your property: It is you the owner (the
insured) who authorizes any repairs or restoration to your property. The insurance
company does not authorize repairs or restoration to your property.

The proof of loss form: The policy contains a condition that you must deliver as soon as
practicable to the insurance company a proof of loss with specific details of your claim.
The proof of loss form is self-explanatory and assists you in complying with this
condition.

After the first meeting: After the first meeting with your adjuster, you will undoubtedly
have questions or require feedback on an ongoing basis. The insurer may also have
more questions. Continuous communication with your adjuster should be anticipated
through meetings, written communication, e-mails or telephone conversation until the
claim is resolved. Good communication is key to successful claims handling.

Advance funds to deal with immediate financial needs: Once coverage under your
policy has been determined, advance funds are frequently issued by the insurance
company to deal with your immediate financial concerns. These might include paying
for immediate costs incurred as a direct result of this occurrence or assisting you with
continuing costs while your operations are down, such as payroll expenses.
You should expect to provide the insurance company with supporting information and
documentation as soon as possible to assist the insurance company in determining the
amount of a reasonable advance payment.

If you have any questions or concerns with the adjuster, professionals, restoration
company give us a call