CLAIMS: LODGING & AVOIDING THEM

Lodging  claims

If you’ve had an incident that you foresee turning into a claim, the best practice is to let us know as soon as possible. The insurer would prefer to be notified well in advance, and it may speed up the claims process down the track. Lodging a claim is easy – all you have to do is contact us, and we can send out all the necessary documentation. Alternatively, forms are also available on our website.

Avoiding claims

  • Dropsheets don’t absolutely protect contents; paint can sometimes get through and damage the surface below
  • Remember not to dry off near sprinklers; these are sensitive and can be set off more easily than you think

  • Scratched glass claims also occur frequently. Before cleaning paint off glass, make sure to determine the type of glass and what side the protective coating is on

  • Overspray claims – it’s important to make sure that you’re mitigating loss, as these claims can end up being costly

E-Glass Claims

E-Glass, also known as low emissivity glass or Low-e Glass is a type of coating which is generally applied to the external facing side of the glass. Its intention is to prevent heat in the form of infrared radiation from getting into a property, while preventing indoor heat from escaping. There are however no distinguishing markings or labeling which differentiates Eglass from normal glass.

The easiest way to avoid E-Glass related claims is to determine whether the glass you’re dealing with is in fact E-Glass or normal glass. With standard glass, a razor is generally used to remove paint – however with E-Glass, this removes the coating which means that the glass has to be replaced in its entirety.
This has resulted in numerous claims as of late, and simply querying the type of glass before cutting in could help in avoiding any resulting damage.