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  • Protect your property from additional damage.
    If you have not done so already, cover broken windows, missing roof tiles, etc.

  • Document the damage.
    Take photos, make a list of personal property damaged. 

  • Save all receipts for additional living expenses you incur.

  • Review the scope of repairs.
    After inspecting damages, your claims adjuster will provide a thorough estimate.

  • Make repairs with professional help.
    Contact one of our Preferred Pros or select your own contractor(s).

  • Report any additional damage.
    If you find any hidden damage after the estimate has been completed and repairs are underway, contact your adjuster immediately for a revised estimate.

  • Make sure the mortgage company listed on your policy is up to date.


  • Stop your vehicle. If you’re blocking traffic, or the location isn’t safe, move your vehicle to a safe place nearby.

  • Make sure everyone is safe. If necessary, call 911 for medical assistance.

  • Never admit fault. The fault of an accident is not always clear and admitting fault when questionable or incorrect may have negative consequences.

  • Exchange contact information. Exchange names, addresses and phone numbers with all parties involved in the accident and with any witnesses present.

  • Call the police to get a police report.

  • Cooperate with the police by giving them accident details and answering their questions. Be sure to get the names and phone numbers of any officers on the scene, as well as the number of the police report.

  • Get additional information.  Get the license plate numbers, insurance company names and policy numbers for all vehicles involved in the accident.

  • Take pictures. If you have a camera with you or on your cell phone, take pictures of the accident location, damage to all the vehicles or property involved.

  • Call a tow company if your vehicle isn’t fit to drive.

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