Documenting a Claim

Plan Ahead for Easier Claim Reporting

  • Create a written or photographic inventory of the contents in your home or place of business.
  • Gather copies of additional ownership verification that may be requested in the event of a loss.
  • Retain receipts and owner’s manuals for purchases of personal property and record serial numbers of electronics and other theft-prone items for identification purposes.
  • Keep copies of important documents in a secure location away from your home or place of business in the event of a total loss.
  • Invest in a fire-retardant safe, useful for protecting important on-site documents.

Your Responsibilities When a Loss Occurs

  • Give prompt notice of a loss to Harford Mutual Insurance Group or your agent.
  • Notify the police in the event of loss by theft.
  • Protect your property from further damage by making reasonable necessary repairs to protect the property and keep an accurate record of repair expenses. If possible, take photographs of the damage prior to conducting any repairs.
  • Show the damaged property to a company representative when requested.
  • Provide us with records and documents we request during the course of a claim investigation and permit us to make copies.
  • Prepare an inventory of the lost or damaged property.
  • If requested, submit to an examination under oath and/or submit a sworn statement of loss that sets forth your knowledge of the loss details.
  • Cooperate with us in the investigation or settlement of the claim.