Claims
The first 24 hours after a loss: what decides how much you recover
Right after an incident many businesses rush to clean up and resume operations, and lose evidence in the process. Here is what to do, in order.
Fo4U team · · 5 min read
Most claim disputes do not start with complex wording but with what was done, or not done, in the first few hours. A cleared site, damaged stock disposed of, a late notification: each can reduce or delay a settlement.
1. Limit further damage
Every property policy requires the insured to take reasonable steps to stop damage spreading. Cut power to affected areas, move undamaged goods, cover roofs and machinery. Reasonable costs for this are usually considered, so keep the invoices.
2. Notify in writing
A phone call is necessary but not enough. Send an email or letter to the insurer (or agent) with the date, time, location, a brief description and an initial estimate if available. Keep proof that you sent it.
3. Record the scene before cleaning up
- Take wide photos and video first, then close-ups of each damaged item.
- Record where goods and machinery were before moving them.
- Keep damaged property until the adjuster confirms it can be disposed of.
- Note the names and numbers of staff who witnessed the incident.
4. Report to the authorities when needed
For fire, theft, road accidents or port incidents, a report from the police, fire service or port authority is key evidence of cause and timing. Ask for one as soon as possible.
5. Do not admit liability
If a third party is involved, avoid admitting fault or signing a settlement before speaking to your insurer. For cargo, send a notice of claim to the carrier within the time limit, even before the amount is known.
Unsure what to do first? Call our hotline on 0919 081 000. Our guidance is free.
General guidance only. Your actual entitlement depends on your policy and the facts of each case.
