Your Duties After a Loss
In case of a loss to your property or automobile, please follow the duties below. We have no obligation to provide coverage under this policy if the failure to comply with the following duties is prejudicial to us:
- Give immediate notice to your Broker of how, when and where the accident or loss happened. Notice should also include the names and addresses of any injured persons and of any witnesses.
- Notify the police if necessary or required by law.
- Protect the property from further damage. If repairs to the property are required immediately, you must:
- Take pictures of damages.
- Make reasonable and necessary repairs to protect the property.
- Keep an accurate record of repair expenses.
- Prepare an inventory of damaged personal property showing the quantity, description, actual cash value and amount of loss. Attach all bills, receipts and related documents that justify the figures in the inventory.
- Maintain receipts for additional living expenses incurred and records that support the fair rental value loss.
A Catastophe is a disaster that affects a specific geographic area and affects a large number of our customers. Examples would be hurricanes, floods, tornadoes, earthquakes and even large hailstorms.
When serious catastrophes approach, you should take reasonable steps to protect your property as long as it is safe for you to do so. Check the radio, television or other media for emergency information and immediately follow all advice from authorities regarding evacuation or other safety procedures.
Members of our Catastrophe Team are specially trained and equipped claims representatives who work in areas hit by catastrophes.
The Catastrophe Response program is an extension of Maidstones’s Claim Department, which ensures that claims professionals are available when and where customers need them, regardless of the day, time or circumstances of the claim.
Customers affected by a local catastrophe can report a claim 24 hours a day at the links provided above. Claims are handled by Catastrophe-trained customer service specialists in our Catastrophe Response Center. After you have reported this claim, please allow 3 business days for our response team to contact you. If you do not hear from us by that time, please contact your broker.