Before making an insurance claim make sure you have:
- Your insurance policy numbers and contact information
- Police reports
- The location of the incident
- All correspondence related to your claim
- Receipts and invoices for lost or damaged items
If you need to make a claim, contact your insurance company and broker as soon as possible. Most insurance companies do have a claims submission time limit that ranges from 90 days to 12 months from the date of the loss or event.
Every scenario is different and is determined by your claim history and other factors. When you begin a claim, make sure you discuss this with your broker.