What To Do After A Loss

1. Protect the Property

One of the most important things to do after a property loss is to make temporary repairs to prevent further damage. Do your best to protect your property by covering damage in roof, walls, doors, and windows with plastic sheeting or plywood. Homeowners insurance policies may not cover ensuing damage to your property if you have not taken reasonable steps to secure the property from subsequent damage. Be careful not to risk your own safety when making the repairs.

Your insurance company will reimburse you for all reasonable costs to protect your property, as long as you save receipts for any materials you buy. Beware of building contractors that encourage you to spend a lot of money on temporary repairs.

Remember that payments for temporary repairs are part of the total loss settlement. Also, don’t make extensive permanent repairs until after the claims adjuster has been to your home and assessed the damage.

2. Call Your Insurance Agent or Company Representative

After a property loss you must report the damage to your insurance company agent or representative to start the claim process. Ask questions such as:

  • Does my policy cover the property damage to my home?
  • How long will it take to process my claim?
  • Will I need to obtain estimates for repairs to the structure?
  • What is my deductible? (The deductible is the portion of the loss you pay before your insurance company begins to pay.)

Please click here for information on reporting claims after-hours »

Restoration and Repair Companies

In the event of an emergency loss, you may call one of the following cleaning companies. However, these companies are only identified for your reference. Please keep in mind that claim payment is not authorized. A claim must first be reported and reviewed for coverage and all covered claims are then subject to your policy deductible.

Suzio Insurance Center, Inc.

54 Chamberlain Highway
Meriden, CT 06451

TEL (203) 237.7403
FAX (203) 238.3425