Filing a claim quickly and with the right details helps get your claim reviewed faster. Here's what to have ready.
Basic Policy Information
Policy number
Business name (as it appears on your policy)
Policy period/effective dates
Details About the Incident
Date and time the incident occurred (or was discovered)
Location where the incident took place
Description of what happened, in as much detail as possible
Which job or project the incident relates to
Whether the incident is ongoing (e.g., an active leak) or already resolved
Parties Involved
Your contact information
Contact information for anyone injured or whose property was damaged (name, phone, email, address)
Contact information for any witnesses, if applicable
Contact information for any other contractors or trades involved in the same project, if relevant
Supporting Documentation
Gather any of the following, if available:
Photos or videos of the damage or incident scene
Copies of the contract or work order related to the job
Invoices or estimates for the work performed
Any correspondence with the client or affected party about the incident (emails, texts, messages)
Incident reports, if one was created on-site
Police report number, if authorities were involved
Any notices, demand letters, or legal documents you've received related to the claim
Third-Party Insurance Information
If another party's insurance may also be involved (for example, another sub-contractor on the same job):
Their business name
Their insurance company name, if known
Their policy number, if known
What If I Don't Have Everything?
You don't need every piece of information to start a claim. Filing as early as possible is more important than having a complete file upfront — you can add photos, documents, or additional details as they become available.