Following a severe claim event, whether it’s a fire, flood, or severe storm, the immediate aftermath can feel overwhelming. As a property owner or trustee, knowing the right steps to take is essential not only for safety but also for ensuring that your insurance claim process runs as smoothly as possible.
At Addsure, we’ve put together a practical emergency checklist to guide you through those critical first hours and days.
- Prioritise safety
Your first priority is always people, not property. Evacuate the building if necessary and make sure everyone is accounted for. Be cautious of structural damage, live electrical wires, or other hazards before re-entering.
- Contact emergency services
Call the relevant emergency services, fire department, police, or medical assistance. If available in your area, FireOps SA (083 622 6026) can assist with fire and rescue operations. Always follow the instructions of emergency personnel. Some insurers have first responder numbers available.
- Prevent further damage
Do what you can to protect your property from additional loss. This may include boarding up broken windows, placing tarps over damaged roofs, or shutting off water, gas, and electricity if it’s safe to do so. If costs are incurred, liaise with the appointed loss adjuster.
- Document everything
Careful documentation will make a big difference when your claim is assessed. Take photographs and videos of all damage, especially before areas are made safe. Keep a detailed list of damaged items and their estimated value.
- Notify your insurance company
Contact Addsure as soon as possible. Provide a clear description of the damage and any immediate actions you’ve taken. We will register the claim, secure a reference number, and arrange for a loss adjuster to be appointed without delay.
- Carry out temporary repairs
If it’s safe, make temporary repairs to secure the property, for example, patching holes, covering broken windows, or locking damaged doors. Avoid permanent repairs until authorised by the insurer or loss adjuster.
- Secure valuables and hazardous items
Move salvageable valuables to a safe location. Flammable substances, sharp objects, or firearms should also be secured to reduce risk.
- Keep records of expenses
Keep receipts for all related costs, from temporary repairs to emergency accommodation. These may be reimbursed by your insurer. Supplement with photos and short video clips where possible.
- Follow the insurer’s instructions
Work closely with the appointed loss adjuster and your insurer. This may include meetings, further documentation, or property inspections.
- Arrange temporary accommodation if needed
If damage is severe, owners may need to relocate temporarily. Keep all invoices and receipts for alternative accommodation, as these may form part of your claim.
Additional guidance
- Stay informed: Keep up-to-date with local emergency announcements and potential risks in the aftermath.
- Third-party claims: If someone alleges you caused damage to their property, don’t admit liability. Notify Addsure or the loss adjuster immediately.
- Reinstatement and repairs: Avoid making permanent repairs without written approval from the insurer or adjuster.
- Suspected foul play: Report fires, impact damage, theft, or malicious damage to the police and obtain a case number.
- Salvage property: Retain damaged items until the insurer or adjuster authorises disposal.
Final thoughts
Every emergency is different, but having a structured plan helps reduce stress and uncertainty. This checklist is intended as a practical guide to help you through those first crucial steps.
At Addsure, we walk alongside you throughout the claims journey – from registering the claim to reinstating your property.
Author: Mike Addison
Addsure is a leading sectional title insurance broker. Get fit and proper advice from advisors who understand sectional title.