How to Report Tool Insurance Claims
- 1). Report your loss to the police and make sure they document it. Get the report number if they tell you the report won't be ready that day.
- 2). Gather evidence on how your tools were damaged or lost. This could mean police reports, fire reports, news reports, witness contact information or photographs of the accident scene.
- 3). Pull all the tool receipts out of your files. If your files were also lost, then go to your credit card company's website and look up how much you spent on your tools.
- 4). Call your insurance company and tell the representative you want to file a claim. Find the company's number on your insurance bill or ask your insurance agent for it.
- 5). Answer the insurance clerk's questions. Allow the clerk typing time between questions, as he will file the report electronically as you talk.
- 6). Ask the insurance clerk to mail or email you any forms that you need to fill out. For example, Protecsure requires that its insured clients fill out either a "Claim Form: Accidental Damage" or a "Claim Form: Theft."
- 7). Get a written quote for the replacement costs of your tools. Make a copy for yourself.
- 8). Fill out and return the required forms to your insurance company, along with your tool replacement quote and other requested documents. Now work with your adjuster to receive payment on your claim.
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