Safety and loss mitigation come first after an event. A clear evidence trail then helps the insurer understand the loss and decide the next step.
Record a concise timeline
Note discovery, witnesses, immediate action, contractors and emergency-service reference numbers. Separate observed facts from assumptions.
Capture the condition
Take broad and detailed photographs before moving damaged items where safe. Do not discard property without authority unless necessary to prevent danger or further loss.
Gather records
Invoices, asset registers, leases, maintenance records, sales data and repair scopes may be needed. Keep emergency and mitigation costs separate.
Notify potentially relevant policies
One event can involve property, liability, marine, cyber or other covers. Forward legal demands immediately without admitting liability.
A practical claim file
- Event chronology
- Photos and reports
- Proof of ownership
- Quotes and invoices
- A running cost schedule
This information is general and does not take into account your objectives, financial situation or needs. Policy wording and individual circumstances determine cover. Seek advice before acting.