Page 7 - MPRC Collateral (8.5 × 11 in)

Claims Process

Insurer Right: To be granted significant access to the property to complete their assessment,
adjustment, and estimate of the damages.

Insured Responsibility: To prove their claim including but not limited to causation, extent of
damages, method of remedy and costing.

Assessment Phase

Insurer Insured
Determine if the cause is a covered loss Collaborate on retaining the expert used
Provide a coverage position to determine the cause

Prove your claim

Adjustment Phase

Insurer Insured

Adjust & estimate damages to contents/stock Appraise & estimate damages to contents/stock
and dwelling/buildings and dwelling/buildings
Takes a position on ALE/LOI indemnity period Clearly documents timelines to accurately reflect
Value position on the amount of loss the indeminity period
Submit POL based on the value of the amount of

loss

Appraisal Phase

Insurer Insured

Prepare and present evidence on the amount of Prepare and present evidence on the value of
loss position in the adjusmtnet phase the amount of loss as outlined in the POL

Litigation Phase

Addresses diagreements over coverage and other
non-value disagreements.