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1. REPORT THE
INCIDENT TO
THE INSURANCE
COMPANY.
If something happens on community grounds
that causes an injury or damage, report it as soon
as possible. Reach out to your insurance agent;
they're the contact person assigned to your policy.
You may either work with the agent or a dedicated
claims manager to complete your incident report.
When reporting the incident, try to include as many
details as possible, such as:
• The date and time it occurred
• The location of the incident
• A thorough description of what happened
• Photos and video footage of the damage
• Witness statements and contact information
Then, get the agent's professional opinion. Discuss
the best way to proceed with the claim, as your
deductible and level of coverage will influence
payment. Finally, don't forget to take action
to prevent additional damage. The insurance
company may want to see proof that you're making
efforts to keep the incident from worsening.
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