Prompt reporting is also essential when a Member has real and personal property that has been damaged.
Since property claims have a more definable value, claims that are below the Member's deductible need not be submitted to the Pool. Claims that fall close to the deductible amount should be reported so that an adjuster can examine the claim carefully.
If there is an emergency after hours, during weekends or any TMLIRP holiday, call one of the emergency numbers listed below.
The Liability & Property Claims Department is open from 7:30 AM to 5:00 PM Monday through Friday.
To file a claim, or make general claims inquiries:
Below is a list of important 'Things to Remember' when you have a Liability or Property loss:
DO contact TMLIRP as soon as a claim, or the
threat of a claim, occurs.
DO secure the damaged property to protect any evidence.
DO take photographs of the incident site and/or damaged property as soon as possible.
DO get a list of all witnesses and/or parties to the incident along with any contact information.
DO file a police report (if necessary).
DO complete and submit a Claims Notice Form as
soon as possible and include any claim related information, such as the items listed above.
DO take any reasonable steps to protect damaged property and/or mitigate any damages.
DON'T admit liability or pay a claim without first contacting
DON'T get into a discussion with fellow employees
about a claim.
DON'T discuss the claim with the claimants, their attorney, or anyone representing the claimant.
DON'T make promises to claimants and/or agree to pay for any damages/injuries.
DON'T put off notifying the Pool of a claim action. Early
notification is vital.
DON'T alter or change in any way the site of the incident.
DON'T take a threat of a claim lightly, or wait until a claim is filed before contacting the Pool.