If your property is damaged by a Major Peril (Flood, Hurricane, Fire, etc.)

  • Photograph the damaged areas and items.
  • Secure premises and items to prevent further loss or damage.
  • Report the loss to us as soon as possible but at least within 30 days.
  • For building damage: obtain an estimate from a reputable builder/contractor.
  • For contents damage: prepare an inventory of lost/damaged items to include age of items, purchase prices and/or repair estimate or replacement cost.
  • Keep invoices for items purchased.
  • Your Insurers will appoint investigator/adjuster to inspect damages.