Accidents happen when we least expect them. Whether it’s a car collision, water damage at home or a business loss, knowing what to do next can make all the difference in protecting your safety – and your insurance claim.
Here’s a simple step-by-step guide to follow after a loss.
Step 1: Ensure Everyone’s Safety
Your first priority is always safety.
- Move to a safe location (if possible)
- Call 911 if there are injuries
- In auto accidents, follow Ontario reporting requirements
- For property damage (fire, water, etc.) take immediate steps to prevent further damage if it’s safe to do so.
Step 2: Document the Damage
Accurate documentation strengthens your claim.
- Take clear photos and videos of all damage
- Capture with multiple angles
- Write down what happened while details are fresh
- Collect names and contact information of witnesses if applicable
Step 3: Do Not Admit Fault
Especially in auto accidents, avoid admitting fault at the scene. Determining responsibility is part of the claims process and handled by adjusters based on evidence and policy guidelines.
Step 4: Notify Your Broker Promptly
Contact McFarlan Rowlands as soon as possible. Early reporting helps:
- Prevent delays
- Protect your coverages
- Ensure proper documentation
- Get immediate guidance on next steps
Contact McFarlan Rowlands as soon as possible. Early reporting helps:
Step 5: Work With the Adjuster
An adjuster may:
- Inspect the damage
- Request additional documentation
- Provide estimates for repairs
- Explain coverage and deductible details
If you ever feel unsure or need clarification, the McFarlan Rowlands claims team is here to help.
Accidents are stressful – but you don’t have to manage them alone. Knowing the right steps can protect your claim and give you peace of mind when you need it most.
If you have questions about the claims process, contact our team anytime.