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TOPIC: Incident Reporting Procedures
OVERVIEW:
Generally speaking, insurance companies require certain basic information in order to process a specific incident as a claim. Therefore, you, as the Insured, need to provide some type of narrative explaining the circumstances involved in the incident, including the following information:
- What happened?
- How did it happen?
- When did it happen?
- Where did it happen?
- Who was involved (if anyone)?
- Were the police notified?
- What type of follow-up investigation was conducted?
In addition to the narrative description of the loss associated with the incident, the insurance company needs copies of invoices or related information to substantiate the value of the loss. If the police were notified, a copy of the police report should also be filed, and it's always good to list names and telephone numbers of all people involved in the loss (ie. the reporting party, the employee(s) who had equipment stolen, the parties involved in the follow-up investigation, etc.), in case they need to be contacted about the claim.
Finally, as noted above, it is important to list or comment on any investigative actions taken by you as the insured to help identify the cause of the loss and determine the measures necessary to help prevent similar losses from occurring in the future.
In order to assist you in this regard, click on Incident Report Form which will take you into our Client Forms Library. This form may be modified to meet the circumstances of the loss you are looking to report.
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