Property

When should we notify you if an accident happen causing property damage?
We recommend that you contact your agent or broker with details of the loss so that we can make a decision on the appointment of a survey if requred.  
 
Should we notify you about an accident, even if the loss amount is less than the deductible?
In order to protect your right to make a claim under your policy, you should notify us about all events. If the loss amount is subsequently found to be below the deductible, you may withdraw the claim. 
 
Is there any time limit for submitting claim documents to you?
In general, all claim documents must be submitted immediately but not later than 30 days from the date of accident. However, there are exceptions. You should consult your policy document for details. 
 
Must we get your prior approval before we repair the damaged property?
Yes. Our claims professionals or representatives will help you assess the repairs required and the reasonableness of the repair estimates. 
 
Our office was burgled last night. Emergency repair to the main door lock is required to safeguard the property inside. Can we proceed with the repair and would it affect our claim under the policy?
You can make emergency repairs provided that the emergency is proven. Such costs are recoverable subject to the terms of your policy.