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Property Claim

Important Information 

  • All events that may result in a claim must be notified to LCA Insurance as soon as possible to the event date but no later than14 days.
  • As with all claims, it is important that you do not proceed with repairs/replacement unless LCA Insurance or our insurers have given approval, failure to do so may result in your claim being denied.
  • All claims will require submission of a completed claim form, written quotes, and photos of the damage prior to approval.
  • Our insurers and LCA Insurance also reserve the right to appoint an assessor to any claims made.
  • Any loss by theft or any willful or malicious damage must be immediately advised to the Police and reasonable steps taken to trace and recover any missing property.

Property - Building and Contents

WHAT TO DO IF YOU EXPERIENCE WATER DAMAGE TO CARPET

Immediately phone a carpet firm to have the damaged carpet lifted. Ensure they take the necessary steps to have the carpet dried and stretched.

In the event of the carpet shrinking to the extent it cannot be re-laid, obtain two (2) quotations for its replacement. The new carpet should be identical to the damaged carpet. Should the carpet firm have difficulty in obtaining an identical carpet, quotations should be obtained for replacement with one of a similar quality.

BURGLARY OR THEFT

A burglary claim is where an item/s has been stolen and there are signs of forced entry. A theft claim is where there is no sign of forced entry.

In the first instance, please report any act of malicious damage, burglary/theft to the Police. A copy of the Police report or report number must be included with the claim form.

In signing a claim form for burglary or theft, you agree to notify LCA Insurance immediately if any of the stolen property is recovered. You also agree (at the discretion of LCA Insurance) to return the goods to LCA Insurance or refund the amount of money received in compensation.

MAKING A CLAIM

Once the quotes have been authorised, we require the client to pay the repairer/supplier in the first instance (unless otherwise authorised). We will make the reimbursement to the claimant upon receipt of the completed claim form and copies of paid invoices.

Where property claims are likely to be over $10,000 it is very important to contact us immediately as in most cases where claims exceed $10,000 an Assessor is hired. The Assessors role is to act on behalf of the Insurer and help the client with the claim until finalised. Do not proceed with repairs/replacements over $10,000 unless LCA Insurance Insurers or Assessors have given approval.

Claims