Guide to Required Claim Documents by Type of Claim

Guide to Required Claim Documents by Type of Claim

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When submitting an insurance claim, it is essential to include the appropriate documentation to ensure a smooth claims process. Below is a detailed guide outlining the different claim documents required for various types of claims. Some claim types may not be applicable to your scheme's insurance policy as cover varies from policy to policy. 

1. Accidental Damage

  • Required Documents:
    • Completed and signed claim form
    • Photos of the damage
    • Itemized resultant damage quote reflecting square meters
    • If submitted after 30 days from the date of loss (DOL), provide a reason

2. Accidental Flood

  • Required Documents:
    • Completed and signed claim form
    • Photos of the damage
    • Itemized resultant damage quote reflecting square meters
    • If submitted after 30 days from the date of loss (DOL), provide a reason

3. Fire Damage

  • Required Documents:
    • Completed and signed claim form
    • Detailed incident report
    • SAPS details (South African Police Service)
    • Photos of the damage
    • Itemized resultant damage quote reflecting square meters
    • If submitted after 30 days from the date of loss (DOL), provide a reason

4. Geyser Repair/Replacement Only

  • Required Documents:
    • Completed and signed claim form
    • Geyser repair/replacement invoice, itemized with old and new geyser serial numbers
    • Certificate of Compliance (COC) for amounts over R1,500
    • If submitted after 30 days from the date of loss (DOL), provide a reason

5. Geyser with Resultant Damages

  • Required Documents:
    • Completed and signed claim form
    • Geyser repair/replacement invoice, itemized with old and new geyser serial numbers
    • Resultant damage photos
    • Itemized resultant damage quote reflecting square meters
    • Certificate of Compliance (COC) for amounts over R1,500
    • If submitted after 30 days from the date of loss (DOL), provide a reason

6. Burst Pipe Only

  • Required Documents:
    • Completed and signed claim form
    • Detailed damage report
    • Burst pipe invoice
    • Condition of the burst pipe
    • Photos/video of the burst pipe
    • If submitted after 30 days from the date of loss (DOL), provide a reason

7. Burst/Leaking Pipe with Resultant Damage

  • Required Documents:
    • Completed and signed claim form
    • Detailed damage report
    • Leak/pipe repair invoice
    • Condition of the pipe (if burst)
    • Photos/video of the pipe (if burst)
    • Resultant damage photos
    • Itemized resultant damage quote reflecting square meters
    • If submitted after 30 days from the date of loss (DOL), provide a reason

8. Impact Damage

  • Required Documents:
    • Completed and signed claim form
    • SAPS details
    • Third-party details (TP)
    • Incident report
    • Photos/video of the damages
    • Itemized repair/replacement quote reflecting square meters
    • If submitted after 30 days from the date of loss (DOL), provide a reason

9. Power Surge/Lightning Damage

  • Required Documents:
    • Completed and signed claim form
    • Detailed report
    • Photos of the damaged/burnt components
    • Repair/replacement quote
    • If submitted after 30 days from the date of loss (DOL), provide a reason

10. Storm/Rain/Wind/Hail Damage

  • Required Documents:
    • Completed and signed claim form
    • Photos of the damage
    • Itemized resultant damage quote reflecting square meters
    • If submitted after 30 days from the date of loss (DOL), provide a reason

11. Water Damage Due to Roof Leakage

  • Required Documents:
    • Completed and signed claim form
    • Roof repair invoice
    • Resultant damage photos
    • Itemized resultant damage quote reflecting square meters
    • If submitted after 30 days from the date of loss (DOL), provide a reason

12. Machinery Breakdown

  • Required Documents:
    • Completed and signed claim form
    • Detailed report
    • Photos of the damaged/burnt components
    • Repair/replacement quote
    • Evidence of a comprehensive maintenance program
    • If submitted after 30 days from the date of loss (DOL), provide a reason

13. Theft/Attempted Theft/Malicious Damage

  • Required Documents:
    • Completed and signed claim form
    • SAPS details
    • Incident report
    • Photos of the damage
    • Itemized resultant damage quote reflecting square meters
    • Evidence of entry into the building
    • If submitted after 30 days from the date of loss (DOL), provide a reason

14. Water Loss

  • Required Documents:
    • Completed and signed claim form
    • Invoice confirming the cause has been repaired
    • 12 months of water statements prior to the loss and the month following the loss
    • If submitted after 30 days from the date of loss (DOL), provide a reason

15. Structural Cracks

  • Required Documents:
    • Completed and signed claim form
    • Engineer's report stating the cause of the shifting and damage
    • Photos of the damage
    • Two quotations for the damage
    • If submitted after 30 days from the date of loss (DOL), provide a reason

16. Liability Claim – 3rd Party

  • Required Documents:
    • Letter of demand from the 3rd party
    • Invoices or quotes for the damage
    • Photos of the damage
    • Proof of ownership of the property (utility bill suffices)
    • Copy of the ID of the property owner
    • Letter from their insurer confirming they are not claiming from them
    • Affidavit if they are not insured
    • Liability claim form from the Body Corporate
    • Copies of all disclaimer documentation
    • Any video footage or witness statements
    • Proof of maintenance undertaken at the premises
    • Photos of the alleged cause of the incident
    • Any previous reports or concerns regarding the condition of the area in question
    • Identification of whether the 3rd party is a visitor or resident and their duration of residence

17. Liability Claim – Impact

  • Required Documents:
    • Formal letter of demand from the 3rd party
    • Sketch and description of the incident
    • Copy of the registration certificate of the third party’s vehicle
    • Copy of the ID of the registered owner
    • No claims letter from the third party’s insurer
    • Photos of the damage to the vehicle
    • Three quotes for the vehicle repairs
  • Insured (BC) to provide:
    • Liability claim form
    • Cause of the gate/boom closing on the claimant’s car
    • Last service report and invoices for the gate/boom
    • Any correspondence exchanged between the claimant and the insured
    • Video footage of the incident (if available)
    • Witness statements (if applicable)
    • Location and wording of disclaimer notices posted in and around the complex
    • Details of any similar incidents reported

Conclusion

Having the correct documentation ready when submitting an insurance claim can expedite the process and help ensure that your claim is processed smoothly. If you have any questions about the specific documents required for your claim, please consult your insurance policy or contact the ANGOR Team on insurance@angor.co.za.


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