Claims FAQ’s

Below are questions commonly asked concerning Insurance Board claims.

What should I do if I think I have a claim?

In the event of a loss, damage, or accident, you should do the following: Notify the police if a law may have been broken; report the claim as soon as practical by contacting your agent; provide a description of how, when, and where the loss or accident occurred during the reporting of the claim. In addition, for a property claim take reasonable steps to protect against further loss or damage even if it means making minor repairs. Preserve evidence relating to an incident, e.g., potentially defective equipment. Along with keeping your receipts for the repairs. And, immediately send copies of any demands, notices, summonses or legal papers received in connection with the claim or lawsuit.

What should I NOT do if I think I have a claim?

Do not delay reporting while collecting information about an accident, injury or claim. Do not assume any obligation, make a payment, settlement, or incur expense, other than necessary first aid or emergency repairs, without the insurance carrier’s consent, except at your own cost. Do not make statements along the lines of: “We’ll take care of it for you.” Let the person know that you will contact your insurance company and a representative from that company will be in touch. And, do not do anything after an incident occurs that would interfere with the right to recover from others. Along with not providing statements, written or oral, except if it is the proper legal authorities, or authorized representative of the Insurance Board.

What should we do if someone sues our church?

Notify the Insurance Board immediately! And, the injured person (plaintiff)’s attorney will provide you with the following: details of the complaint, a description of the lawsuit, the summons, and a request for your response, so please send all of this paperwork to the Insurance Board Attn: Alison Hanna. As, there is a limited amount of time to file a response, and if no response is filed within the time stated, the plaintiff will automatically receive a default judgment so don’t delay.

Should I use a public adjuster?

This is a common question, but the facts are you will be charged for this service and it not something your insurance carriers pays for; and usually results in the public adjuster taking a percentage of your claim dollars. In addition, the public adjuster takes over control of your claim, and you no longer have a voice in the process. Therefore, think about the decision hard, and please take a look at the Spring 2016 article in the Insurance Board’s newsletter The Steward.

What can I do to help settle my property claim quickly?

If you get estimates right away, that will help. Generally, three estimates by qualified contractors will suffice when your building is damaged. Along with taking photos and documenting the damages.

What will happen after I submit my claim?

Within 48 hours of filing your claim you will receive an email confirmation of that claim. You will then be contacted by an adjuster. The adjuster will go through an initial contact with you, and will answer your questions about the claim, and the process moving forward. In addition, we will be there to assist you every step of the way. A member of the IB will be available throughout the claims process until everything is completely resolved.

What should I do to prepare for when the adjuster calls?

Authorize the release of relevant records and other information needed to process the claim. And, cooperate in the investigation, settlement, or defense of a claim or lawsuit. Along with advising us of any suspicious circumstances about a claim. In addition, if someone is injured, make sure that appropriate medical attention is provided immediately. If the injured person requests it, please provide our name, address, and phone number, but do not assume any responsibility. And, helping your adjuster to verify the value of damaged items, by providing information such as invoices, brands, and model numbers.

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