Insurance Claims

We’re Here When You Need Us Most

When something unexpected happens, knowing what to do next can make the claims process easier.

Whether you’ve experienced damage to your home or business, an auto accident, storm damage, theft or another covered event, Quality Insurance Group is here to help you take the next steps.

What to Do After a Loss

1. Make Safety Your First Priority
   • If anyone is injured or there is an immediate danger, contact emergency services first.
   • Do not enter an unsafe building or put yourself at risk to inspect damage.
2. Prevent Additional Damage When Possible
   • If it is safe to do so, take reasonable steps to prevent additional damage to your property.
   • This might include temporarily covering a damaged roof, shutting off water following a leak or moving undamaged property away from an affected area.
   • Avoid permanent repairs until you’ve spoken with your insurance carrier unless immediate repairs are necessary for safety or to prevent additional damage.
3. Document the Damage
   • Take photographs or video of the damage before cleanup or repairs whenever it is safe and practical to do so.
   • Document damaged property and keep receipts for reasonable emergency expenses and temporary repairs.
4. Locate Your Policy Information
   • Having your insurance company name and policy number available can make reporting your claim easier.
5. Contact Your Insurance Carrier
   • Report the loss to your insurance company’s claims department as soon as reasonably possible.
   • Your carrier will provide instructions regarding the next steps and may assign an adjuster to your claim.

Information You May Need

When reporting a claim, it can be helpful to have:

• Your policy number
• Your contact information
• The date and approximate time of the loss
• The location where the loss occurred
• A description of what happened
• Photos or videos of the damage, if available
• Information about damaged property
• Police, fire or accident reports, when applicable
• Receipts for emergency expenses or temporary repairs

Don’t delay reporting a claim simply because you don’t have every piece of information available. Your insurance carrier can explain what additional documentation may be needed.