Q. I've been in an accident – what now?
A. Start by calling your insurance company’s claim center. See below for a list of carriers and contact information. If you report a claim, you may be asked for:

• Time, date, and location of the accident
• How the accident happened
• The names and contact information of people involved in the accident
• The extent of any injuries to people involved in the accident (if known)
• The names and contact information of anyone who witnessed the accident
• The name of the law enforcement agency that responded and the police
report number, if police were contacted

Q. I have damage to my property - what now?
A. Protect your home from further damage. Do not make any permanent repairs.

• Arrange for reasonable temporary repairs such as boarding up broken
windows, covering the roof, and removing debris.
• Keep a list of any temporary repairs you make to document the damage,
and make sure to save your receipts.
• If possible, place damaged items in a secure area where they can be
inspected. If you are unsure about an item, include it with the damaged property.
• If you have fire or smoke damage, do not try to clean the damaged items.
Sometimes cleaning things without the proper equipment can cause more damage.

Q. My property is protected from further damage – what now?
A. Determine whether you anticipate the repairs exceeding your deductible. If you aren’t sure, contact a contractor to obtain an estimate. You do not need to submit the claim immediately. If you still need to report the claim, be prepared to provide the following information:

• When the incident occurred.
• A general description of what happened.
• The location of the damaged property and what was damaged.
• The condition of the home and if it is still livable.
• If additional temporary repairs are needed.
• If the fire or police department was contacted, which department
responded and any report number. Your contact information and
the best time to reach you.