How do we file a claim for general liability?

Property Liability Claim

If you need to file a claim related to your project's property, please immediately notify the insurance team at [e-mail]. Once you've notified Community Partners, take photos of the damage to the property. After the photos are taken, be sure to: 

• Cover the property if it is exposed to the elements
  
  
• Make repairs if reasonable and necessary to protect the property from further damage
  
  
• Maintain a record of all expenses incurred protecting the property 
  
  
• Separate damaged from undamaged project property, if possible

Once you've notified Community Partners, taken photos, and protected the property, take the following steps to assist with your claim:

• Document damage by making a list of quantity, description, actual cash value, and amount of loss (be prepared to provide additional documentation as requested by the adjuster)
  
  
• Be sure to attach any related bills, receipts, or additional documents 
  
  
• Retain damaged property until a claims adjuster approves disposal (unless doing so presents a danger). The adjuster may need to inspect the property. The insurance company may be able to salvage the damaged property

• Notify police in the case of a theft
  
  
• Expect to be contacted by the claims adjuster within 48 hours
  
  
• If the damage significantly affects your continuing operations, Community Partners will request that the insurance company expedite your claim
  
  
• Please let Community Partners know immediately if your circumstances change and this loss will have a greater effect on your project activities than originally anticipated

Business Interruption Claim

If you need to file a claim due to business interruption or extra expenses due to loss:

• Record all expenses incurred due solely to the loss, including:
  
  
  • Wages for employees involved in cleanup or repair
    
    
  • Overtime paid for employees to complete work that would have been completed during normal hours if not for the loss
    
    
  • Outside vendors involved in cleanup, repair, etc.
    
    
  • Leasing of temporary space until your facility is repaired
    
    
  • Leasing or purchase of any items necessary to continue project operations
    
    
• Record all expenses that you continue to incur despite the necessary suspension of your operations (rent, utilities, etc.)
  
  
• Keep in mind, wages for employees who were sent home but still paid (may be covered for continued payroll)
  
  
• Document any business lost due to the necessary suspension of your operations

Please note that complete financial records may be necessary to determine your losses. The insurance company may assign an accountant to determine the exact amount of your loss.