Hi {first_name}, 

Time to talk briefly about claims; no, I will not write you a book (you’re welcome 😊). Confusion about what to do during a loss adds stress to an already stressful situation.

Most people do not realize it. Still, your insurance policy requires you to take only the necessary actions to prevent further damage or injury. Suppose a windstorm blows a tree through your living room window. In that case, you are responsible for having a tree company remove the tree and board up the window. So neither rain nor vandals can enter the home. The carrier has a right to inspect the damage before they pay a claim, but that does not mean you can leave your home exposed to the elements until the claims adjuster shows up. Once everything is safe and stable, stop. Do not complete repairs until the claims adjuster has concluded their investigation. Also, document any emergency repairs completed.

You are not required to submit a claim the moment it happens, so never try to submit a claim until everything has settled down. That means don’t call from the scene of a car accident while the police are trying to gather information or while water is gushing out of a pipe, turning your basement into an indoor pool.

Contact us by calling 508-366-4894, or if the office is closed, email info@dmia.com within 48 hours after the situation has stabilized. If something happens but you are unsure if you should submit a claim, reach out to me directly for advice.   
 
Summary:
When something happens:
1.      Your priority is the safety of yourself, others, and your property.
2.      Take only the necessary steps to prevent further loss to both property and life.  
3.      Call our main office line 508-366-4894, email info@dmia.com, and copy me. 


Whenever there is a loss, the insurance carriers insist on speaking to or receiving the information directly from you. Doing so prevents the inaccuracies that can occur because of the telephone game.  
 
Be well, and know we have your back,
Patrick Tobiasson, LIA, AAI-M, CLCS, CPIA
Managing Partner
Licensed Insurance Advisor
Accredited Advisor in Insurance Management
Commercial Lines Coverage Specialist
Certified Professional Insurance Agent

Dolan & Maloney Insurance Agency
508-366-4894

**Coverage cannot be bound or altered via this device without confirmation from me in writing via direct response.**