Intimation of loss
The first notice to the insurer. Send it the day the loss happens, even if you know almost nothing yet.
When to send itSame day as the loss
Why it existsLate intimation is the commonest single reason a good claim gets argued over. This letter exists so that there is nothing to argue about: it is four lines, it can be sent before you know the extent of the damage, and it starts the clock in your favour rather than the insurer's.
To: [INSURER NAME] - Claims Department Subject: Intimation of loss - Policy [POLICY NUMBER] - [DATE OF LOSS] Dear Sir or Madam, We hold policy number [POLICY NUMBER] with you. We are giving you notice that a loss occurred on [DATE OF LOSS] at approximately [TIME] at [LOCATION]. In brief: [WHAT HAPPENED IN ONE LINE]. We are assessing the extent of the loss and will send you full details as soon as we have them. We have not disturbed the affected property and will not do so until your surveyor has inspected it. Please let us know the surveyor's details and when they will attend. Please treat this as formal intimation of the claim and confirm receipt. Yours faithfully, [YOUR NAME] [DESIGNATION] [BUSINESS NAME] [PHONE] / [EMAIL]
11 brackets still to fill.
Fill it in here
nothing is storedType the answers and the letter above fills itself in. What you type is used to build the page and then thrown away; none of it is written down at this end. Close the tab and it is gone.
Before you sendKeep proof that it went. Email is fine and a delivery receipt is better. Nothing here is legal advice, and what your policy pays is decided by its wording and the facts of your loss.
Want us to word it for your claim instead? Report a loss or call 92514 56334.
Three deadlines
- Tell the insurer now, not after the assessment.
- Notice to anybody else responsible the carrier, the contractor, the police, within the time your policy sets.
- Every document within the time the insurer asks for it.