Making a claim
It is impossible to give guidelines for the exact procedures to follow for every claim situation, however by ensuring that you complete the four steps below, the impact on your household or business operations will be minimised.
1. Report the incident to Coverforce by Telephone, Facsimile or email, wherever practicable within 24 hours of the incident.
2. Regardless of whether or not the claim has been reported or a loss assessor appointed, you must immediately do whatever is necessary to prevent further loss of life or property damage. For example:
• Call the fire brigade, ambulance, police or other appropriate emergency service.
• Where applicable, ensure the evacuation of all building occupants including any neighbours that may be at risk.
• If critical machinery fails, commence investigations to locate replacement plant or services.
• Have a security company install boarding over smashed windows and, if appropriate, employ an overnight security watchman.
• Remove property which is exposed to further loss or damage to a more secure place if possible.
• Providing no danger to life or limb is involved, ensure the safe removal and storage of vital business records.
3. Complete all claims documentation as soon as practicable (ensuring your ABN No. and Input Tax Credit entitlement are included if applicable) and forward to Coverforce with any supporting documents.
4. Whatever the circumstances of the incident, DO NOT ADMIT LIABILITY EVEN IF YOU THINK YOU ARE AT FAULT. Your Insurer may be entitled to deny your claim or pay a reduced amount if statements made by you or your employees prejudice the Insurer's position.
Once your claim has been notified to Coverforce; one of our dedicated Claims Managers will give you further instructions on the best course of action for your individual claim circumstances. They will then work with yourself and your Insurer to expedite the processing of your claim, and ensure you receive the correct entitlement due under your policy.
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