Property Claims Form

For when you or your employees cause third party property damage or injury & when employees sustain injury during work.

Action points

  • Implement any disaster plan to maintain output, use alternative equipment or premises.
  • If production or stock is affected, prioritise customers and notify others of a possible delay.
  • Arrange boarding-up and/or temporary weather protection using a local contractor.
  • Arrange for the repair and reconnection of any alarm system.
  • Minimise water leaks by turning off the supply at nearest stop tap and/or calling an emergency plumber.
  • Remove portable, undamaged items from affected areas to secure, clean, dry storage.
  • Hire aqua vacs to clear standing water from floors or carpets.
  • Isolate any affected electrical equipment if safe to do so and arrange an urgent electrical inspection. Do not turn on any equipment that you suspect may be contaminated by smoke or water.
  • Take photographs, preferably before disturbing the scene, so that you are able to fully describe the equipment affected and to help establish the cause of the incident and extent of damage.
  • Set up a unique cost code to record all expenditure.
  • Set up a dedicated claim file to keep copies of all documents, invoices, time sheets etc., which you will need to support the claim.
  • Establish a claim spreadsheet to list details of your claim, preferably cross-referenced to the claim file documents.

Follow up actions

It will considerably assist evaluation of your claim if the following information is available at the time of the Loss Adjusters/Managers visit:-
  • If available, site maps showing the layout of the premises and principal activities in each area.
  • The identity of those who discovered the loss or damage (have them available for interview if possible).
  • The identity of those who last saw the items or visited the affected area (have them also available for interview if possible).
  • Details of the companies that maintain or monitor any intruder or fire alarms on the premises, and whether the alarm monitoring is via a BT Redcare telephone line.
  • If the alarm is monitored ask the company for a copy of their activity log for the 48 hours leading up to the incident.
  • The identity and telephone number(s) of Police Officers involved and any reference allocated.
  • A full description of any equipment stolen and/or damaged, i.e. make, model, brief specification (in the case of computers, processor, RAM, hard drive size, speed, etc.) date purchased, replacement price or equivalent item.
  • If available, copies of any original purchase invoices (these can be sent on later).
  • Whilst a completed claim form is not usually required (Powell Commercial will advise), a full description of loss or damage and circumstances should be noted.
  • For damaged personal possessions, employees should contact their relevant household Insurers. If the individual has no cover or a large excess, then full details should be submitted to the Loss Adjuster/Manager (cover will most likely be limited and there may be a deduction for wear and tear).
  • Details of any anticipated effects upon normal business activities and any source of income considered at risk.