When a Loss Occurs

 Claims Checklist

Use this checklist as a guide in the event of a loss. An adjuster will work with you and your Brotherhood Mutual agent on your claim.

Take Action
Report your claim. You can contact your agent directly, report your claim online, or call the Brotherhood Mutual Claims team.
Provide needed medical care. If someone is injured, make sure appropriate medical care is provided immediately. Without acknowledging responsibility, provide Brotherhood Mutual’s name, address, and phone number if requested by an injured person.
Contact the police, if necessary. Contact the authorities for cases of theft, burglary, vandalism, auto accidents, or suspected arson.
Make necessary repairs. If property is damaged, make any necessary repairs to prevent further damage or risk of injury. These repairs are covered by your policy.
Write down what happened. Write down a detailed description of what happened, including information about the extent of the damage or injury.
List the damages. Put together a complete list of damages, including that to personal property.

Verify the value of damages. Work with an insurance adjuster to verify the value of the damaged items. Contrary to popular perception, claims adjusters don't look for ways to minimize damages. Their job is to establish the true extent of damages resulting from the claim.

Be Prepared

This checklist is also available for download. Have it with you when you need it. Print extra copies and share it with your administration today!