Claims

Preferred Method of Claim Filing is Via the SSIU Agent Portal

Agents reporting claims should log into the SSIU Agent Portal, click Submit FNOL/Claim from the navigation menu. Enter the Policy Number or Insured Name and click Search to locate the policy record. Click Claim Request to the right of the correct policy record, and you’ll be taken to a new window to verify the Policy Details and start the claim filing process. Once all details have been entered, you can upload any supporting documents or photos, and click Submit. The pre-filled ACORD First Notice of Loss form will then be emailed directly to SSIU’s Claims Department and a copy to the Agent.

If access to the SSIU Agent Portal is unavailable, email First Notice of Loss to claims@ssiuw.com or fax to 251.923.4486

Insureds are encouraged to contact their Agent directly to file claims. This is because the Insured may have multiple policies with the Agent which may not be issued by SSIU. If the Insured is unable to reach their Agent, SSIU will collect the claim information and notify the Claims Administrator of the pending claim. Adjuster Name and Contact Information will be emailed to the Agent upon assignment by the Claims Administrator. Issues with Adjuster correspondence should be reported to claims@ssiuw.com or 251.923.4474.

Claims Reporting Procedure

Claims should be reported to the Producing Agent as shown on the Declarations Page within the policy. Insureds are encouraged to begin the clean-up process as quickly as possible and make all efforts to mitigate further damage. In the absence of access to the Producing Agent, the Insured should submit claims directly to SSIU through our online Claims Filer or at claims@ssiuw.com or via fax to 251.923.4486. Claim acknowledgement will be sent to the reporting entity

INCLUDE THE FOLLOWING DETAILS WITH ALL CLAIM SUBMISSIONS SO AS NOT TO DELAY FILING:

• First and Last Name of Insured
• First and Last Name of Contact Person
• At Least 2 Contact Methods (Phone, Email)
• Policy Number
• Type of Claim
• Location of Incident (Address)
• Month, Date, Year and Time of Loss
• Summary of Damages

11 THINGS YOU CAN DO TO MAKE YOUR CLAIM PROCESS AS SMOOTH AS POSSIBLE:

1. Document the damage with photos and/or videos as soon as possible
2. Protect your property from further damage and make temporary repairs (if possible). Your policy requires you to make every effort to protect the property from further or additional damage. This may mean placing a tarp over the roof or boarding broken windows and doors.
3. If the property is structurally unsound or unsafe, report to the local police and fire department.
4. Contact a professional and capable mitigation company to abate any water and/or smoke damage. Your agent will be able to recommend a resource for you.
5. Secure the property as necessary and as best as you are able.
6. Maintain a record of all expenses incurred in protecting the property.
7. Separate damaged from undamaged personal property if at all possible. Do not discard any damaged property in case this needs to be inspected by the adjuster. Do not dispose of any damaged property until your adjuster approves of it; they may need to provide a salvage value for items.
8. Prepare an inventory of damaged property, including a detailed description of the items, including quantity and estimated values. If you have bills, invoices or receipts related to damaged items, this can help support valuation.
9. If you have contacted a first responding agency (police or fire department), or a disaster mitigation company, please retain a copy of any reports and be prepared to provide contact information when available.
10. Be prepared to provide additional information requested by your adjuster.