What you should do in the event of a claim
Report a loss without delay, as insurance contracts require prompt notification. It is equally important to keep the damage as small as possible – for example by turning off the water or securing a damaged roof. Secure evidence with photos and keep damaged items until the insurer has decided on the settlement.
- Report the loss without delay
- Mitigate the loss as far as reasonable
- Secure photos and receipts
- Do not dispose of damaged items prematurely
- In the event of burglary, theft or vandalism, report it to the police
Our support
We take down your claim notification, check which policy is affected and submit the notification to the insurer together with the necessary documents. During processing, we stay in contact, answer queries and keep track of deadlines.
In the case of larger losses, the insurer may appoint a loss adjuster. We prepare you for the appointment and review the adjuster's findings.
If the insurer does not pay or does not pay in full
If the insurer rejects a claim or reduces the benefit, we examine the reasons on the basis of the terms and conditions and the course of events. Misunderstandings can often be resolved through an objective statement and supplementary documents. If a legal dispute is unavoidable, we involve licensed lawyers.
Preparing for an emergency
Many difficulties in settlement arise because evidence is missing. It is therefore worthwhile photographing valuable items, keeping purchase receipts and collecting insurance documents in a place that is accessible even in the event of a loss.
We help you keep your documents in order and tell you which evidence is particularly important for your policies. This way, a loss can be settled more quickly and with less effort if the worst happens.
Frequently asked questions
Do I have to report the loss to the insurer myself?
No. You can report the loss to us; we forward it to the insurer together with the necessary documents and support the settlement.
May I already commission a tradesperson after water damage?
Measures that limit the damage should be taken immediately. Before major repairs, it is advisable to coordinate with the insurer so that the costs are accepted.
Can the insurer terminate my policy after a claim?
With many property insurance policies, both the insurer and the client have a right of termination after a claim. We discuss with you how you can continue to obtain insurance cover in such a case.
What belongs in a good claim notification?
The date, place and course of events of the loss, a description of the damaged items with photos, available receipts and, where applicable, the police reference number. We tell you in the individual case what the insurer additionally requires.