Make the scene safe
Move away from traffic, fire, water, structural hazards, or other immediate danger when possible.
Resource Center
Claims Help
A calm, organized checklist for the first hours and days after a loss.
First priority
Protect people first, then protect the property if it is safe to do so.
If anyone is injured or there is an immediate danger, contact emergency services. Once the situation is stable, document what happened and follow the reporting instructions provided by your insurance carrier or policy.
If you are unsure where to start, call us at 614-704-3727. We can help you locate policy information and discuss the next steps available through the carrier.
Claim checklist
What to do after a loss
Document the loss
Take photos and video, note the date and time, gather names and contact information, and preserve relevant receipts.
Prevent further damage
If safe and reasonable, take temporary steps to prevent additional damage. Keep receipts and avoid permanent repairs until the carrier has provided guidance.
Report promptly
Follow the carrier’s reporting process and keep the claim number, adjuster contact information, and copies of submitted documents.
Useful documentation
Keep a simple claim file.
- Claim number and carrier contact information
- Photos, video, police or incident reports if applicable
- Repair estimates, invoices, temporary repair receipts, and damaged-property lists
- Emails, letters, and notes from calls with dates and names
- Additional living expense or business interruption receipts when relevant to the policy
Do not discard damaged property too quicklyUnless safety or local authorities require otherwise, ask the carrier before disposing of items that may need inspection.
Claims FAQ
Common questions after a loss
Coverage depends on the policy and facts of the claim.
Should I get repair estimates before reporting the claim?
You can gather preliminary information, but do not delay required reporting. The carrier may have inspection, vendor, or documentation procedures that should happen first.
Can I make temporary repairs?
Policies commonly require reasonable steps to protect property from further damage. Keep receipts and documentation, and avoid major permanent repairs until the carrier has given instructions.
Who decides whether a claim is covered?
The insurance carrier evaluates the facts under the issued policy language. An agent can help explain the policy and process, but cannot guarantee claim coverage.
What if another person or company may be responsible?
Share that information with the carrier and preserve evidence. The carrier may evaluate recovery or subrogation rights depending on the circumstances.
Important: This page provides general claim-preparation information only. Follow emergency instructions, applicable law, carrier claim procedures, and the requirements in your policy. The insurance carrier determines coverage.