What to do in the Event of a Claim?

Property Claims

In the event of damage to your building or contents:

  1. Protect the property from further damage:

    1. Call the proper authorities and utilities (gas, electric, telephone).

    2. Take photos of the damage before having emergency repairs made, such as boarding up windows or covering holes in the roof.

  2. Call Bodey Insurance to report the loss.

  3. Call a contractor to estimate the building damages.

  4. Separate damaged contents from undamaged contents. Do not discard any items until the claims adjuster gives you the authority to do so.

  5. Keep records of expenses if you are forced to temporarily relocate your business.

  6. Do not authorize repairs until the claims adjuster has given you the authority to do so.

 

After we report the claim to the insurance company, the claims adjuster will:

  1. Contact you by phone or mail to discuss the loss

  2. Arrange for an appraiser to inspect extensively damaged property

  3. Assist you with your choice of contractors to make the repairs

  4. Contact you for a settlement

 

Auto Claims

In the event of an automobile accident:

  1. Report the accident to the police.

  2. Obtain information about the other people involved in the accident such as:

    1. Names, addresses and phone numbers

    2. Insurance company

    3. Type of vehicle

    4. Auto and driver’s license numbers.

  3. Have your vehicle towed to the nearest repair shop if the vehicle is not drivable. Do not authorize repairs until the claims adjuster gives you the authority to do so.

  4. Call us to report the accident.

 

In the event of a windshield, vandalism or theft loss:

  1. Report the vandalism loss or theft to the police.

  2. Call us to report a loss.

 

After we report the claim to the insurance company, the claims adjuster will:

  1. Contact you to request details of the accident and repair estimates

  2. Arrange for an appraiser to inspect the damages of vehicles that are not drivable or extensively damaged

  3. Contact you for a settlement

  4. Deal directly with the others involved in the accident

 

You should not talk to others involved in the accident, but refer them to your claims adjuster.

 

Liability Claims

In the event of injuries or damage to property of others which you allegedly caused:

  1. Call us to report the claim.

  2. Forward any correspondence, including a summons from an attorney representing the other party.

  3. Do not discuss the claim with the other party or their attorney. Refer them to your insurance company’s claims adjuster or to us.

 

After we report the claim to the insurance company, the claims adjuster will:

  1. Contact you to discuss the incident that allegedly caused the injury or damage to the property

  2. Deal directly with the other party and/or attorney to handle the claim

 

Helpful after hours Claim Contacts. Follow the link of your respective company.

Call

Castalia: 419-684-9791

Fremont: 419-332-1868

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