Report A Claim

Your insurance policy is designed to provide you needed financial protection in the unfortunate event of an insured claim. The key to maximizing your protection and minimizing your exposure to loss is to report the claim as soon as possible. Your insurance company stands ready to help, but can't begin unless they know you have had a claim.

Please report all claims directly to our office. Our job at the Winfield Group is to make sure that that your insurance company responds quickly and to the full extent of the coverages available to you on your policy. If we don't know about the claim, we can't help.

In the Event of a Claim
Accidents do happen despite even our best efforts to avoid them. When they do occur, however, there are steps you can take to limit the amount of damage and begin the process of determining the amount of the claim.

Property Losses

• Protect your property from further damage.
  
• Report it to The Winfield Group or your insurance company immediately or as soon as possible .
  
• Take photos or videos of all building and content damage before repairs are done.
  
• Protect your property to prevent further loss (tarp the roof, do temporary building repairs, move or remove trees, move property out of harm's way, etc.).
  
• Preserve damaged business contents to prevent further damage and save it so the claims adjuster can see it.
  
• Contact those who can repair and obtain written estimates to repair and restore your property.
  
• Keep accurate lists of all additional expenses as a result of the damage.
  
• Keep an accurate accounting of the supplies & services you purchased due to the emergency repairs .
  

Automobile Accidents

• Do NOT admit you are at fault or accuse others.  Such discussion is of no benefit and is best left to legal authorities and/or claims adjusters to work out. 
• Call the police. If someone is injured, request medical assistance. If fire is involved, request fire department aid.
• Do not move vehicles until the police arrive unless you are blocking traffic flow. 
• Exchange information with the other driver(s) such as name, address, phone, vehicle and insurance. 
• Report it to The Winfield Group or your insurance company immediately or as soon as possible.  Generally you may be asked to get a repair estimate from the repair garage of your choice.  Do not authorize any work until authorized by the insurance adjuster.

Bodily Injury or Property Damage Claims

If someone (other than an member or your household or an employee) is injured on property you own or are responsible for or your actions cause damage to someone else's property you should:
• Immediately determine if medical assistance is needed and call the proper authorities.
• Address any hazardous situations immediately.
• Do NOT admit you are at fault or accuse others.  Such discussion is of no benefit and is best left to legal authorities and/or claims adjusters to work out. 
• Document all facts regarding any incident.
• Report it to The Winfield Group or your insurance company immediately or as soon as possible

We welcome your calls when you have a claim to report or wish to discuss a possible claim situation with us before actually reporting it.  We will help you determine the best course of action for your situation, often times avoiding trouble later on in the claims process.  That said, sometimes it's preferable to call the companies claim "hotline" directly.  They are available 24 hours a day, seven days a week.  They can get much of the information they need from you right away without having to first call you back by phone.  They can advise you immediately on what steps you are authorized to take. If your company is not listed, then you need to report it directly to us