EMERGENCY NOTICE

Make A Claim It's Really Simple



Claim Centre -
Barbados

Making a Property Claim

If you suffer a loss or damage by an insured peril/event, you should let us know as soon as possible after the event and certainly within the time frame stipulated by your Policy.

What information do you need?

When reporting a claim, please give us as much information as possible, including:

  • full address where the loss occurred
  • date of the incident
  • full circumstances
  • cause
  • information regarding the extent of the damage; please also include any estimates or invoices for repairs/replacements or valuations
  • A listing of your contents, if you have insured them.

For theft, malicious damage or destruction or damage caused by vehicle impact, you should first report the incident to the police. When you contact us, please provide the police officer’s details and the station you reported the incident to.You should also provide as much information as you can about the circumstances and value of the loss.Adopt measures and arrange emergency repairs immediately to ensure no further damage occurs. Remember to keep all invoices relating to the claim

How are claims settled?

We will have a claims officer and/or assign a loss adjuster to your claim. Claims are settled when the final invoices are received. If you do not want to reinstate or replace the lost/damaged property, then we can make an indemnity offer which takes into account the age, life expectancy, and wear and tear and more importantly, the sum insured.You never know when a disaster such as a fire or flood is going to happen. Because of this you need to know who to turn to protect your home, business and valuables when the unexpected happens.

Flood / Water Damage Restoration / Water Cleanup

Water can be an unforgiving force. Whether it is caused from a burst pipe in your bathroom or from a flood, water can destroy anything in its path. Time is of the essence when it comes to water damage. The process of water damage restoration and water cleanup should begin immediately after discovering the disaster. If water is left to sit for too long it can cause even more damage and lead to the growth of mold which can cause adverse health affects.After you have discovered that you have been the victim of water damage, you should turn off the water supply, take photos and call us immediately. Start the process of water damage restoration and you can begin getting your life back to normal

Fire Damage Restoration and Fire Damage Cleanup

We at Sun General understand how devastating a fire can be and how much damage it can cause, both to a structure and person’s mental and physical wellbeing. Remember to keep fire extinguishing appliances and a fire blanket.

A fire can be an overwhelming and traumatic event. Fire damage can be devastating and leave a structure in an unsafe condition. You should never attempt to do fire damage restoration or fire damage cleanup yourself. Doing so may lead to serious injury and or death. Fire damage restoration should only be handled by professionals.Heat and smoke from fire can be more dangerous than the flames themselves. Asphyxiation is a leading cause of fire deaths.

What should I do after a fire disaster?

Safety & Medical Attention - First make sure that everyone is out of the building and safe. If anyone is injured make sure they receive immediate medical attention. Do not attempt to re-enter the building.

  • Know who to call after a fire. Immediately call the nearest Fire Station and family members that may not have been with you. Let them know what happened, that you are okay and other information that is necessary.
  • After a house fire, do not assume that someone is going to contact your Insurance Company. This is the number one thing that you need to do. This will not only enable us to document the event and set in train the insurance claim but we will be able to talk you through the process of emergency lodging/living expenses.
  • If you are a tenant, contact the owner/landlord and/or their insurance company.
  • Anyone who you feel that could be helpful to you, not necessarily just the insurance company, but other persons/ specified help-groups or business etc. For example, Red Cross Society offers services to those who have lost their home
  • Do not enter your house or any other building that has been affected by a fire until you have listened to the professionals telling you that is okay to do so. Other factors to be aware of include:
  • making sure that the fire is extinguished and that the heat has abated
  • knowing that fire authorities have checked out the site and done what they need to do to establish a safety zone
  • the severity of the fire.
  • Understand what happens with a "Fire Report". A fire report will detail the house construction, the area involved, the time of the incident, the date of the incident. This enables the fire department to know all the specifics of who was there and what resources were there.
  • Secure the property. If you have not already been told to do so, it is important to secure your property to prevent possible looting and further damage/loss to the property.
  • Seek counselling if required and reassure children. Having your house damaged or destroyed by fire is extremely traumatic and can have lasting impacts on each family member, depending on his or her ability to cope. Common feelings are helplessness, disorientation, pining for belongings, deep sadness, a sense of deprivation, despair and a loss of routine and structure. The depth of feelings and disorientation will depend on the extent of damage - loss of the entire house can leave everyone feeling as if they have to rebuild life all over again; partial loss, however, still carried stress and sadness. Reassure each other and let the emotions happen. Keep a close eye on children and be truthful with them about what has happened and if you do not know what is going to happen next, at least reassure them that you have one another and that material things can all be replaced.
  • Ask when it is safe to enter a house or other building on the property after a fire.

Pre-cautions to take should you suffer loss/damage due to hurricane/flood 

  • Be aware of safety issues created by the disaster. Watch for washed out roads, contaminated buildings, contaminated water, leaks, broken glass, damaged electrical wiring, and slippery floors.
  • nform local authorities about health and safety issues, including chemical spills, downed power lines, washed out roads, smoldering insulation, and dead animals.
  • Walk carefully around the outside and check for loose power lines, gas leaks, and structural damage. If you have any doubts about safety, have your residence inspected by a qualified building inspector or structural engineer before re-entering.
  • Do not re-enter your home if it looks like any part of the building may collapse.
  • Enter the home carefully and check for damage. Be aware of loose boards and slippery floors. Use a battery-powered flashlight to inspect a damaged home. The flashlight should be turned on outside before entering—the battery may produce a spark that could ignite leaking gas, if present.
  • Check the electrical system unless you are wet, standing in water, or unsure of your safety. If possible, turn off the electricity at the main fuse box or circuit breaker. If the situation is unsafe, leave the building and call for help. Do not turn on the lights until you are sure they are safe to use. You may want to have an electrician inspect your wiring.
  • Turn off the electricity at the main fuse box or circuit breaker if the appliances are wet. Then, unplug appliances and let them dry out. Check appliances thoroughly before using them again.
  • Turn off the main water valve if pipes are damaged.
  • Throw out all food and other supplies that you suspect may have become contaminated or come in to contact with floodwater.
  • Pump water out of your basement gradually if it is flooded, to avoid damage. The walls may collapse and the floor may buckle if the basement is pumped out while the surrounding ground is still waterlogged.
  • Take pictures of damages. Keep good records of repair and cleaning costs.

What To Do in Case of a FireFire Damage Restoration and Fire Damage Cleanup

We at Sun General understand how devastating a fire can be and how much damage it can cause, both to a structure and person’s mental and physical wellbeing. Remember to keep fire extinguishing appliances and a fire blanket.A fire can be an overwhelming and traumatic event. Fire damage can be devastating and leave a structure in an unsafe condition. You should never attempt to do fire damage restoration or fire damage cleanup yourself. Doing so may lead to serious injury and or death. Fire damage restoration should only be handled by professionals.Heat and smoke from fire can be more dangerous than the flames themselves. Asphyxiation is a leading cause of fire deaths.

What should I do after a fire disaster?

Safety & Medical Attention - First make sure that everyone is out of the building and safe. If anyone is injured make sure they receive immediate medical attention. Do not attempt to re-enter the building.

1. Know who to call after a fire.

  • Immediately call the nearest Fire Station and family members that may not have been with you. Let them know what happened, that you are okay and other information that is necessary
  • After a house fire, do not assume that someone is going to contact your Insurance Company. This is the number one thing that you need to do. This will not only enable us to document the event and set in train the insurance claim but we will be able to talk you through the process of emergency lodging/living expenses.
  • If you are a tenant, contact the owner/landlord and/or their insurance company.
  • Anyone who you feel that could be helpful to you, not necessarily just the insurance company, but other persons/ specified help-groups or business etc. For example, Red Cross Society offers services to those who have lost their home

2. Do not enter your house or any other building that has been affected by a fire until you have listened to the professionals telling you that is okay to do so.

Other factors to be aware of include:

  • making sure that the fire is extinguished and that the heat has abated
  • knowing that fire authorities have checked out the site and done what they need to do to establish a safety zone
  • the severity of the fire.

3. Understand what happens with a "Fire Report".

A fire report will detail the house construction, the area involved, the time of the incident, the date of the incident. This enables the fire department to know all the specifics of who was there and what resources were there.

4. Secure the property.

If you have not already been told to do so, it is important to secure your property to prevent possible looting and further damage/loss to the property.

5. Seek counselling if required and reassure children.

Having your house damaged or destroyed by fire is extremely traumatic and can have lasting impacts on each family member, depending on his or her ability to cope. Common feelings are helplessness, disorientation, pining for belongings, deep sadness, a sense of deprivation, despair and a loss of routine and structure. The depth of feelings and disorientation will depend on the extent of damage - loss of the entire house can leave everyone feeling as if they have to rebuild life all over again; partial loss, however, still carried stress and sadness. Reassure each other and let the emotions happen. Keep a close eye on children and be truthful with them about what has happened and if you do not know what is going to happen next, at least reassure them that you have one another and that material things can all be replaced.

6. Ask when it is safe to enter a house or other building on the property after a fire.