If you have suffered a loss for which you
are insured, inform
Ogilvy & Ogilvy of the nature of your
claim.
What to do and when:
- The very first consideration is for
human safety. In cases of fire, burglary
and other potential life safety situations,
make sure that you and your family are
safe.
- Do what you can to prevent further
damage. In the case of a broken pipe,
turn off the water supply, if your home
has been broken into; seal the point of
entry etc. Do not dispose of damaged property
without your insurance adjuster's prior
approval.
- Notify the proper authorities.
In the case of burglary or theft, contact
the police. Immediately following this,
contact Ogilvy & Ogilvy to obtain
advice on the given situation and to begin
the claim process.
- Start to gather information.
You'll be required to supply information
about the circumstances of the claim,
as well as reasonable evidence to justify
the amount claimed. Your insurer will
want to know exactly what was lost/damaged/stolen,
when you acquired it, and what you paid
for it.
- A claims adjuster from your insurance
company will contact you to begin the
claims process. If at any time you
are unhappy with the claims process, contact
Ogilvy & Ogilvy immediately. We will
advise you of proper procedure and intervene
to ensure a fair claims experience
Before a claim -
Help yourself - Know what you own.
An up-to-date inventory
of your possessions and a record of their
value will be helpful to you, your insurer,
police and others in the event of a burglary
or fire. After a loss, it could be difficult
for you to recall the details of things
that are now damaged or missing. Some people
like to make a drawer-by-drawer, room-by-room
video recording of their possessions; some
use a regular camera. An audiocassette recorder
could be useful for making a spoken list
of collections: books, tools, stamps, and
so on. This would capture more detail than
you could achieve with a camera. Written
or typed descriptions are also useful. Be
sure to include makes, models, serial numbers
or other identifying marks. Keep purchase
receipts for major items. Store your inventory
records in a safety-deposit box or another
secure location away from your home.
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Home Insurance - Making a Claim
