Contact your carrier as soon as possible for assistance with the initial claim processing.
Take necessary precautions to prevent further loss to your property. Insurance policies may not cover ensuing damage if you have not taken reasonable steps to protect against subsequent damage.
Take pictures to document the damage or accident scene.
Do not discard damaged property without the approval of your adjuster.
If it appears the loss or accident may be the result of the negligence of a 3rd party, please gather as much information about the responsible party as possible. Your insurance carrier will need as many details as you can gather to pursue recovery.
Make only necessary emergency repairs. Do not repair or replace anything without first obtaining instructions from your adjuster, as your insurance carrier’s visual inspection or your loss and approval may be necessary to initiate repairs.
In the event of a CATASTROPHIC LOSS involving major injuries or property damage you may also call (707) 963-2777 and press 9 to reach an on call emergency after hours MIV Insurance Services representative. Please note the emergency after hours claims line is for emergency purposes only.