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Insured’s Duties After a Loss:
1. Give prompt notice
to insurer/carrier or its agent
2. Notify the
police in the event of a theft loss
3. For a loss
involving a credit card, an electronic fund transfer card, or an access device,
notify that appropriate card or access company
4. Protect the property from further
damage, including making reasonable and necessary repairs and keeping records
of any such repairs and expenses
[Note: If a contractor goes beyond repairs that protect the property, such as cleaning damaged items and beginning permanent repairs that are not necessary to prevent further damage, this could limit the ability to collect all that you are entitled to under your policy because you did not preserve and prove your damages.]
5. Cooperate with the insurer/carrier in
the claim investigation
6. Prepare a complete inventory of
damaged personal property, showing the quantity, description, actual cash value
and amount of loss
7. Make the damaged property available for inspection
8. Provide insurer with documents as
requested
9. Submit to an examination under oath
10. Provide a sworn, signed proof
of loss within 60 days after the loss or after the Insurer’s
request, advising the following:
·
time and cause of loss
·
interest of all insureds and others in the property
·
other insurance that may afford
coverage
·
changes in title or occupancy of the
property during policy term
·
specifications of damaged buildings
and detailed repair estimates
·
inventory of damaged personal
property
·
receipts for additional living
expenses incurred and records supporting fair rental value loss
·
evidence or affidavits supporting a
claim under the credit card or forgery extension of coverage
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