แจ้งเคลมประกันทางโทรศัพท์

Thank you for calling SafeGuard Insurance. If this is an emergency, please hang up and dial 911. To file a new claim, press 1. To check the status of an existing claim, press 2. For all other inquiries, press 3.

Claims department, this is Nicole. I understand you need to file a new claim. Are you safe right now? Is anyone injured?

I'm glad everyone's OK. Let me get the details. First, can I get your policy number? It starts with SG followed by numbers.

Got it. Now, can you walk me through what happened? Where and when did the accident occur?

Did you exchange information with the other driver? I'll need their name, insurance company, and policy number if you have it. Also, did you file a police report?

That's OK — we can look up their policy with the name and insurance company. What's the police report number?

Perfect. Here's what happens next: I'm assigning your claim number — it's CL-88921. Write that down. We'll send an adjuster to inspect the damage within the next 2 to 3 business days. They'll call you to schedule a time. Since you were rear-ended, the other driver is most likely at fault. Your deductible is $500, but if the other driver's insurance accepts liability, you'll get that back. Any questions?

SafeGuard Insurance claims, this is Daniel. What type of claim are you filing today — auto, home, or renters?

I'm sorry to hear that. First things first — have you been able to shut off the water supply to stop the leak? And have you taken photos of the damage?

Good, you did the right thing. Now, your homeowners policy does cover sudden pipe bursts and the resulting water damage. However, I need to let you know about your deductible. Your policy has a $1,000 deductible, which means you're responsible for the first $1,000 of repair costs. Everything above that is covered. Does that make sense?

Absolutely — in fact, you're required to take reasonable steps to prevent further damage. That's called 'duty to mitigate.' Go ahead with the emergency plumbing repair and water removal. Keep all receipts — those costs will be included in your claim. Just don't start any major reconstruction until our adjuster has inspected the property.

An adjuster will contact you within 48 hours to schedule an inspection. The whole claims process typically takes 2 to 4 weeks, depending on the extent of the damage. If the repairs are extensive, we can also arrange temporary housing — that's covered under your policy's loss of use provision. Your claim number is CL-92104. Do you have any other questions?