Claim Information

What To Do If You Have a Homeowners, Dwelling Fire, Business or Boat Loss

If you have a homeowners, renters, business, commercial property or boat loss, it's important that you promptly report the loss, protect your property from further damage and carefully document the extent of your loss. Here are some steps we suggest you take in the event of a loss.

Promptly report the loss to Carey, Richmond & Viking (or your insurance company), or use our online Homeowner's Claim Form. Notify the police if the loss is the result of theft or other crime.

Make temporary repairs to prevent further damage but be careful not to risk your own safety when making repairs.

Retain damaged property including furniture, personal belongings, and equipment because the adjuster will want to see them.

Do not make extensive permanent repairs until after the claims adjuster has been to your home and assessed the damage.

Prepare an inventory of all personal property destroyed, damaged or stolen as a result of the loss. Show the quantity, description, actual cash value and amount of loss for each item. Attach all pertinent invoices, bills and documents that substantiate the figures in the inventory. Attach photographs or owner's manuals that would help confirm the value of listed items.

Save receipts for any materials you buy. Keep track of any other expenses you incur because of the loss (such as additional living expenses, relocation and storage expenses, furniture rental, transportation) - some or all of these may be reimbursable under your policy.

There may be structural damage to your home or other buildings on your property. The adjuster may recommend hiring a licensed engineer to inspect the property. Most insurance companies will pay for electrical inspections as well.