Please call us at Heritage Risk Advisors for help with what to expect. We know claims! (1.844.GET.HERITAGE or 1.844.438.4374)

Q. I've been in an auto accident – what now?

A. Start by reporting your claim to your insurance carrier. They need to know:

• When the accident occurred
• Where the accident occurred (be as specific as possible)
• How the accident happened
• What kind of vehicle or vehicles were involved (including the year, make, and model)
• A description of the damage on each vehicle
• The names and contact information of people involved in the accident
• The extent of any injuries to people involved in the accident
• 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?

Call your insurance carrier and let them know:

• 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 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.

Q. Do I need to protect my home from further damage?

A. Yes, once it is safe to do so, it is your responsibility to protect your property from further damage.

• 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.