Most homeowner’s claims are as a result of burglary, natural disaster or fire. Should you unfortunately have a burglary, housebreaking or fire incident, you should:

• Immediately report all these incidents to the police and the fire service, in case of fire.
• Where a crime has been committed do not tamper with any potential evidence before the arrival of the police.
• Take photos where possible to show entry, exit and damage.
• Contact the EC Global Insurance Agency Claims Department or your broker representative as soon as possible.
• List all damage / loss to building and contents.
• Locate and secure you insurance policy and any other personal contractual document.

Losses from Major Perils – Flood, Hurricane etc.

• Take photos of damage.
• Secure premises with board, tarpaulins etc. to prevent further loss or damage to building and contents.
• Keep all invoices and receipts for sums spent in securing the premises.
• Contact our Claims Department or your broker representative as soon as possible for guidance.
• Clean up debris.
• Salvage as much as possible. Dry out electrical items, clothing etc.
• If necessary, use a generator to run essential electrical appliances e.g. freezers.

If the premises are rendered uninhabitable, seek reasonably priced temporary alternative accommodation. Temporary accommodation is covered under your Comfort Zone policy.