Make a Claim
Tips to ensure a Successful Claim
When a loss occurs, Clearlake Insurance strives to make a difficult and stressful situation as easy as possible.
Clearlake Insurance understands each claim and client is unique. We have the depth of resources to manage the most complex claims and provide you with a complete claims management solution.
Reach out to your Clearlake insurance broker
Get in touch with your insurance broker without delay and provide them with all the necessary information. Acting quickly will help expedite the claims process and get you back to normal operations more swiftly.
Document damage with photos and videos
Before you start any cleanup, be sure to take clear photos or video footage of all damage to your property. This includes any damage from floods, break-ins, or fires. Visual evidence will help your insurer evaluate the extent of the damage more effectively.
Consult your insurance broker before starting repairs
Always check with your insurance broker before authorising any repair work. They might need to inspect the damage themselves or have specific requirements for the repair process. Some insurers also prefer to use their own contractors for repairs, which could affect your choice of service providers.
Save receipts and proof of purchase
Keep track of your financial records and retain receipts or other proof of purchase for expensive items. If receipts are unavailable, photos of the items at the time of purchase or in use can also be useful for verifying ownership.
Don’t be afraid to dispute claims if necessary
If your claim is denied or ruled against, don’t hesitate to contest the decision. Your insurance broker can assist in navigating the appeal process and identifying any potential issues.
To begin, please select your claim type below:
Frequently Asked Questions
Didn’t find what you are looking for here? View more FAQs by clicking on one of the below.
How do I make a claim?
If you need to make a claim, you can select the appropriate notification form from the list above. Claims can be lodged 24 hours / 7 days a week online through our website.
What happens once I notify you of my claim?
Upon receiving your claim notification form, we'll assign it to one of our skilled claims specialists, who will then file the claim with the appropriate insurer.
Your assigned specialist will keep you and your personal broker informed after the claim is lodged and will provide you with a claim reference number for future reference.
We will keep you updated throughout the process as your claim moves forward.
What document do I need to make a claim?
Depending on the nature of your claim, you might need to provide supporting documentation to assist with the evaluation and processing of your claim.
This may include:
- Valuation certificates
- Photos of the incident
- Receipts
- Any letters, notices or court documents about the incident
What if I don’t have my policy number?
If you don’t have your policy number available while completing your claim notification form, that's perfectly fine. Just provide us with the policyholder's name and any other relevant details, and we'll be able to locate your policy accurately.
How long will it take to process my claim?
Each claim is unique, and our goal is to handle your claim as efficiently as possible. While some claims can be resolved quickly, more complex cases might take longer for the insurer to process.
Your claims consultant will keep you informed throughout the entire process, providing updates on your claim's progress.
Will I need to pay an excess?
An excess is the amount you'll need to cover yourself when making a claim on your insurance policy. The specific excess can vary depending on the nature of your claim and your policy details.
Don’t worry—your claims consultant will let you know if an excess is required and guide you through the process.
What information do I need to get started?
Depending on the type of claim, you might need to provide some extra details. Typically, we'll ask for the following:
- Your policy number
- Basic information to confirm your identity
- The name of the insured person on the policy
- A detailed description of the incident
- The date and location of the loss
- Any information about other parties involved, if relevant
We’re here to guide you through the process and ensure everything is handled smoothly.