Check List for Insured - Property Claim
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Check List Of What You Should Do In Case Of A Property Loss

If you have a loss - no matter how small - it can be a traumatic experience. Your Agent and people here at Fulmont Mutual Insurance Company want to reduce your exposure to this trauma to make it a less stressful for you. We hope the following information will do just that.

No matter what type of a loss, you must take reasonable steps to protect your property to avoid further damage.  

Protect Property From Further Damage:
As soon as practicable after the loss protect the property from further damage - for example:

• In case of roof damage, tarp the roof to avoid water or other Damage inside.

• Insulate and/or board up after fire, wind, or a break-in loss to secure property. This could also prevent freeze up or additional damage.

• When appropriate shut off water main.

• If at all possible during the winter, maintain heat in building to avoid additional frozen pipes or plumbing damage. If it is impossible to maintain heat, put anti-freeze into all plumbing fixtures and if necessary contact a plumber to winterize the plumbing.

Repairs:
Only do those repairs necessary to prevent further damage such as temporary repairs or in the situation of electrical, heating or plumbing problems where further damage can occur. Give the company an opportunity to see the damage.

Contact Your Agent:
Promptly call your agent to provide him/her with the date, time & cause of loss. Be sure to give your current address, daytime and nighttime phone number or current phone number of contact person. Correct and current information will ensure that we can reach you to better service your needs.

Get Estimate:
Obtain a detailed repair estimate from the contractor that you will be using to do final repairs. Send the estimate directly to Fulmont Mutual Ins. Co. at PO box 487, Johnstown, New York, 12095. Please note- we do not require two estimates.

Damage To Personal Property:
Complete an inventory of your personal property - list all damaged property room by room. You can download inventory sheets from our web-site or ask your agent for them.

Additional Information:
If there is additional information you feel we should have, please write it down and mail it to us.

There may be additional duties your policy requires you to do. You should review these conditions in your policy. You will find this information:

A Homeowners, Mobilehomeowners or a Farmowners policy you can refer to ML-20 ed. 1/87, pages 7, 8, & 9, items 1-6;

A Standard Fire or a Landlord Package policy you can refer to FL-20 ed. 1/92, pages 6 & 7;

A SMP, Businessowners or a Commercial Standard Fire policy you can refer to SF-20 ed. 1/88 page 7.

Disclaimer:

The information contained in this article is not intended to replace the wording in your policy. We urge all concerned parties to verify the information contained herein by reviewing their own specific policy.

While care has been taken to present accurate information, neither Fulmont Mutual Insurance Company nor Empire Web pages may be held responsible for error, omissions and/or inaccuracies that may be contained in this article. Nor may Fulmont Mutual Insurance Company or Empire Web Pages be held liable for damages or losses resulting either directly or indirectly from the use of information presented here.

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