You are required in all circumstances to submit a statement of claim with supporting evidence to establish the amount of your loss.

1. Always act as though uninsured.
2. Report all occurrences to us as soon as practicable.
3. Co-operate with your insurers or appointed representatives.
4. Document precisely the cause and extent of loss.

In most instances loss adjusters are appointed by insurers to investigate and negotiate loss settlements.

The following guidelines, although general in nature, are to be adopted for all occurrences considered at the time of the incident likely to give rise to claims.

ALWAYS ACT AS THOUGH UN-INSURED

The most obvious reason for this is that the loss could in fact be uninsured. It is generally a condition of you insurance policies that you take every reasonable measure to minimize the effects of losses. You should take precautions to prevent further losses and preserve rights against Third Parties.

REPORT ALL OCCURRENCES TO US AS SOON AS PRACTIBLE

Do not wait for full details of the incident before notifying us for fear of later embarrassment if it has to be withdrawn for one reason or the other. Put the ball in the Insurers’ court. Remember they are the ones who may have to pay in the end. Late notification of claims to Insurers invariably causes complications and can result in rejection.

CO-OPERATE WITH YOUR INSURERS OR APPOINTED REPRESENTATIVES

Such action is of course in your best interest as it facilitates prompt and fair claims settlements. The fact that we only use reputable insurance markets and are always around to assist, you can be assured of fair treatment and therefore be without reservations as to the final outcome.

DOCUMENT PRECISELY THE CAUSE AND EXTENT OF LOSS

Causes of loss are readily identifiable in many instances as being insured (or insurable) and the mere sighting of the damage is sufficient evidence, e.g.: a fire. However, there are cases where this is not so and in such circumstances you may be required to prove that the cause of loss falls within the terms of the policy.