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Claims

A Note to Our Commercial Insurance Clients

The Woods Insurance Service team is here to serve you. This service includes assisting you in the event of a claim. If a loss occurs, please follow the steps highlighted below.

Your insurance contract requires that you report all claims promptly. Therefore, contact us as soon as possible after a property, liability or automobile claim. We will report your claim to the insurance company. An insurance company adjuster will be assigned to handle your claim. You should then be able to deal directly with the adjuster to settle your claim.

If you encounter any unusual delays or problems in the handling of your claim, please contact Edie Darrell for assistance.

We appreciate your business and are here to serve you!

 


Liability Claims

 

In the event of injuries or damage to property of others which you allegedly caused:

  1. Call us to report the claim.
  2. Forward any correspondence, including a summons from an attorney representing the other party.
  3. Do not discuss the claim with the other party or their attorney. Refer them to your insurance company’s claims adjuster or to us.

 

After we report the claim to the insurance company, the claims adjuster will:

  1. Contact you to discuss the incident that allegedly caused the injury or damage to the property.
  2. Deal directly with the other party and/or attorney to handle the claim.

Property Claims



In the event of damage to your building or contents:

  1. Protect the property from further damage:
  2. Call the proper authorities and utilities (gas, electric, telephone).
  3. Take photos of the damage before having emergency repairs made, such as boarding up windows or covering holes in the roof.
  4. Call Woods Insurance Service to report the loss.
  5. Call a contractor to estimate the building damages.
  6. Separate damaged contents from undamaged contents. Do not discard any items until the claims adjuster gives you the authority to do so.
  7. Keep records of expenses if you are forced to temporarily relocate your business.
  8. Do not authorize repairs until the claims adjuster has given you the authority to do so.

 

After we report the claim to the insurance company, the claims adjuster will:

  1. Contact you by phone or mail to discuss the loss;
  2. Arrange for an appraiser to inspect extensively damaged property;
  3. Assist you with your choice of contractors to make the repairs; and
  4. Contact you for a settlement.

Auto Claims

 

In the event of an accident:

  1. Report the accident to the police.
  2. Obtain information about the other people involved in the accident such as:
    Names
       > Addresses
       > Names
       > Phone numbers
       > Insurance company
       > Type of vehicle
       > Auto and drivers license numbers
  3. Have your vehicle towed to the nearest repair shop if the vehicle is not drivable. Do not authorize repairs until the claims adjuster gives you the authority to do so.
  4. Call us to report the accident.

 

In the event of a windshield, vandalism, or theft loss:

  1. Report the vandalism loss or theft to the police.
  2. Call us to report a loss.

 

After we report the claim to the insurance company, the claims adjuster will:

  1. Contact you to request details of the accident and repair estimates.
  2. Arrange for an appraiser to inspect the damages of vehicles that are not drivable or extensively damaged.
  3. Contact you for a settlement.
  4. Deal directly with the others involved in the accident.
  5. You should not talk to others involved in the accident, but refer them to your claims adjuster.

Workers’ Compensation Claims

 

In the event your employee is injured on the job:

  1. Complete the Employer’s First Report of Injury or Disease form for all claims. Either use the “call in” reporting system or fax the original form to the insurance company. Send a copy of this form to the State Department of Industry, Labor and Human Relations (refer to the First Report for the address).
  2. Forward a copy of the First Report to us in the event of a disabling injury or death claim. We will follow up with the insurance company for their prompt handling of the claim.
  3. Contact the insurance company to question the status of a claim. If you experience delays or have questions, please contact us for assistance.

After you report the claim to the insurance company, the claims adjuster will:

  1. Contact the injured employee to discuss the accident.
  2. Request copies of bills and doctors’ reports for medical treatment administered.
  3. Contact you, the employer, if there is any lost time from work as a result of the injury.

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Independant Insurance Agent Insurance Education & Research
CIC Better Business Bureau
Trusted Choice Association of Energy Service Companies

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