How to Report a Claim
April 27, 2016
What would you do if a windstorm damaged the roof of your church or a child tripped over an unsecured cord and injured his elbow? Do you know how to report a claim?
Notify your agent, and police, if necessary
Notify your insurance agent as soon as possible and provide a detailed description of what occurred, including information about the extent of damages. Then, take immediate steps to make reasonable, necessary repairs to protect your property from further damage.
Besides your agent, contact law enforcement in cases such as theft, burglary, vandalism, suspected arson, and other incidents that violate the law or usually require police involvement.
Property claims may require help from an adjuster
Insurers often require two repair estimates when there’s damage to your building. For damage to personal property, you’ll need to submit a complete list of damaged items. Your adjuster will verify the value of the damaged items, so provide as much information about the damaged property as possible.
For extensive losses, you may need a claim adjuster to establish the full extent of your damages and to give you guidance to settle your claim. Your cooperation will enable claims personnel to establish the extent of damages quickly and equitably.
Liability claim settlements are based on negligence
Liability losses involve injury to someone while they are on your grounds or involved in your sponsored activities. You also can be held liable for damage to property that others own and you have borrowed from them.
When an accident occurs, provide appropriate medical care to the injured person immediately, then notify your agent. Just because someone is injured on your premises or at one of your sponsored activities does not mean you are liable for the damages.
Without acknowledging responsibility, provide your insurance company’s name, address, and phone number if an injured person asks. Avoid making statements like, “We’ll take care of everything.” Instead, say, “We’ll report this injury to our insurance company, and they will be in touch with you.”
- October 27, 2020
- Self-Defense or Second-Degree Murder?
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On October 10, 2020, in Denver, Colorado, a 30-year-old private security guard who was hired to protect a Denver news crew while covering protests was involved in a deadly shooting that claimed the life of a 49-year-old man.
- October 1, 2020
- Applying for PPP Loan Forgiveness
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Organizations that obtained Paycheck Protection Program (PPP) funding through the CARES Act can have their loans forgiven, turning them into grants. To qualify, each borrower must file a forgiveness application with its PPP lender, proving that it followed the rules. If your church, school, college, or camp meets all the criteria, 100% of its loan can be forgiven.
- August 27, 2020
- Emergency Dispatch: Cameron Peak
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Lessons learned from the front line of a wildland fire.
- August 20, 2020
- Colorado Wildfires: Prepare Your Ministry Now
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Four major wildfires are burning across Colorado, fueled by dry vegetation, drought and wind.
- April 13, 2020
- Beware of COVID-19 Cyber Scams
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Ministries are creatively scrambling to continue their operations and safely engage their congregations with an array of online technologies during the coronavirus pandemic. Unfortunately, hackers are ready to take advantage of the confusion with scams designed to steal valuable data or siphon funds from your ministry. Learn how to keep your ministry safe from scams.
- March 30, 2020
- CARES Act: Churches Need to Apply Now
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Learn about the CARES Act and two loans for which ministries may be eligible, since Congress authorized additional funding April 23.
- March 6, 2020
- Coronavirus and Your Ministry: Tips for Prevention
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As concern over the dangers associated with the spread of a new coronavirus, COVID-19, spreads, our agency and Brotherhood Mutual want to keep you informed and provide best practices for managing the spread of this and similar illnesses at your ministry.
- January 29, 2020
- Hosting a Game Day Bash? Brush Up on Copyright Basics
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The first Sunday in February is a big day for sports fans. In fact, many Americans view Super Bowl Sunday as a national holiday. Friends and families will gather this year to watch the big game, enjoy delicious snacks, and of course, critique the commercials that go along with game day.
- October 28, 2019
- Are You Covered If You're Injured Overseas?
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Recently, we learned about two major overseas incidents involving pastors on mission trips. The first incident involved a pastor being hit by a motorcycle while running. The second was a bus accident involving two pastors. The runner and one of the two bus passengers sustained extensive injuries.
- September 1, 2019
- IRS Announces More Church Audits Regarding ACA Compliance
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Last month, the IRS announced that its initiating hundreds of church exams to test compliance with the Affordable Care Act (ACA). While many provisions only apply to churches with 50 or more full-time equivalent employees (FTEs), even smaller churches could potentially violate provisions applicable to health benefit plans with as few as 2 plan participants.
- August 15, 2019
- Record Breaking Hailstorm Hits Colorado
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On Tuesday, August 15, 2019, a record-breaking hailstorm struck multiple areas throughout the state of Colorado.
- July 3, 2019
- Celebrate Safely This Independence Day
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July 4th is synonymous with food, fun, and fireworks. If your church is planning an event this Independence Day, remember to keep a focus on safety, so that everyone can have fun.
- June 28, 2019
- Insurance is one of those things we forget about until we need it
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National Insurance Awareness Day falls on June 28 this year to remind people everywhere that insurance is vital to their companies and ministries.
- June 24, 2019
- June 23-29 is Lightning Safety Awareness Week
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Summertime across the country means barbecues, carnivals, sporting events, boating, hitting the beach and many other recreational activities. In short, summertime means a lot more people are spending time in the great outdoors. But summer is also the peak season for one of the nation's deadliest weather phenomena--lightning.
- May 8, 2019
- Protect Your People & Property During Hailstorms
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According to the National Oceanic Atmospheric Administration (NOAA), hail causes about $1 billion in damage to crops and property each year. Prepare your ministry and people for hail this season.
- April 30, 2019
- Measles Cases Reach Record-Breaking Numbers
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More than 700 confirmed cases of measles have been reported in the United States so far this year, making this outbreak the worst in decades.
- April 15, 2019
- April 14 -20 is Severe Weather Awareness Week in Colorado
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As winter turns to spring, we’re also in for a turn in weather. Lightning, strong winds, flash flooding, hail, or tornadoes could quickly strike your ministry. The National Weather Service has designated April 14-20, 2019, as Severe Awareness Week in Colorado.
- April 8, 2019
- Vehicle Registration Guidelines for Ministries
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Do you use commercial vehicles that transport more than 15 passengers or carry cargo from one state to another as part of your ministry? If so, you are required to register with the Federal Motor Carrier Safety Administration (FMCSA) and obtain a USDOT number.
- June 1, 2018
- June Is National Safety Month - Week 1: Emergency Preparedness
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The National Safety Council has designated June as National Safety Month, so we want to make sure your ministry is doing everything it can to protect its people, property, and programs. Each week in June, we’ll tackle a different topic. Up this week: Emergency Preparedness.
- April 18, 2018
- Collect Online Donations? This New Scam Targets You
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There’s a new scam in town, and ministries and other organizations collecting donations are the primary target. If your ministry collects tithes or donations, you could be targeted by scammers practicing donation overpayment fraud.