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Your Duties

September 26, 2011

Your Duties

This overview provides typical claimant duties and expectations in the event of a loss, claim, lawsuit or any occurrence under the policy. Your policy is the sole determination of coverage and the mutual duties and obligations between you and the insurance company. Nothing in this document changes your policy in any manner. Read your insurance policy carefully to understand what actions your insurance company expects you to follow.

  • Notify us. Click here to to complete a First Report of Loss form to expedite your claim process.
  • Notify the insurance company as soon as possible. Note the time, place and description of the occurrence and the names with points of contact for any injured people and witnesses, including all passengers. Immediately forward copies of any demands, notices, summonses or legal papers received in conjunction with an occurrence.
  • Notify the proper authorities. Contact the police in particular for theft or vandalism claims.
  • Do not make any statements (oral or written) without insurance company permission. You cannot hinder the insurance company’s ability to seek reimbursement for damages from responsible parties, therefore, do not assume any obligation, liability, accept any offer or reward or make any payment, except for necessary first aid or to immediately protect property from further damage.
  • Do not abandon your aircraft or insured property; take all reasonable precautions to protect property immediately after the loss.
  • Allow the insurance company to inspect the damaged property prior to repair or disposal.
  • Cooperate with the insurance company and their representative(s). Such things as regular communication with the adjustor, answering questions about the occurrence under oath, helping obtain and give evidence, attending hearings and trials and getting witnesses to testify are all generally expected.
  • File proof of loss within a set amount of time with the insurance company. This is usually a sworn statement setting forth the interest of the Named Insured and of all others in the property affected, any encumbrances, the value of the property at the time of the loss, the amount, place, time and cause of such loss, and the description and amounts of all other insurance covering such property.