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Claims Support & Guidance

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Overview

At Brown & Brown, we understand that filing a claim can be a stressful experience. That’s why we are here to provide you with the specialised support and guidance you need during this process. Our team is dedicated to assisting you with every aspect of your claim, from understanding the necessary steps to help ensure that you have all the required information. We are committed to making the claims process as smooth and stress-free as possible for you so that you can focus on getting back on track after an unexpected event.

In The Event of a Claim

What You Need to Do

If an incident or circumstance occurs that could give rise to a claim, either now or in the future, it is important that your insurer is notified as soon as you become aware. This applies even if a claim has not yet been formally made.
Early notification is a key policy condition under most insurance arrangements and ensures your insurer is aware of the situation from the outset.

Notifying us of a claim
If you believe you need to notify insurers, please contact us immediately. Your policy documentation, issued at your most recent renewal confirms the Brown & Brown office responsible for managing your policies. By contacting that office at the earliest opportunity, we can ensure you are supported by one of our experienced claims advisers.

We will:

  • Confirm whether the matter needs to be notified to insurers
  • Advise you on the correct next steps
  • Ensure notification is made in accordance with policy requirements

Why early contact matters
Failure to notify insurers promptly, or to follow the correct notification process, may prejudice your claim and could result in it being declined. For this reason, we strongly recommend speaking to us as soon as you become aware of any incident, loss or potential claim.

If in doubt, always contact your local broker office, we are here to guide you through the process and protect your position.

Report the Incident Promptly

Timely reporting is crucial. Notify us of the incident on the date it occurs, or as soon as possible to avoid any delays in processing your claim, ensuring you are complying with the conditions of your policy. Failure to do so could result in your claim being refused. For certain types of claims, such as theft or loss, it is important to report the incident to the police and obtain a crime reference number.

Contents

In the event of an incident, do not admit liability or offer any settlements. This could affect the outcome of your claim. Simply provide the facts and let us handle the rest.

Take Preventive Measures

If possible, take steps to prevent further damage or loss. For example, if you need to make emergency repairs to secure your property/premises. Keep all receipts and invoices. Do not dispose of any damaged items until instructed by your insurer.

Steps to Take Before Making a Claim

Review Your Policy

Before making a claim, review your insurance policy to understand what is covered and any exclusions that may apply. This will help you determine if your claim is valid and what documentation you will need to provide.

Contents

Thoroughly document the incident by:

Taking Photos and Videos: Capture clear images and videos of the damage from multiple angles.

Collecting Witness Statements: If there are any witnesses, obtain their contact information and statements.

Keeping Records: Maintain a record of all communications related to the incident, including emails and phone calls.

Contact Us

Reach out to our claims team as soon as possible. We are here to guide you through the process and provide support where needed.