One of the most important risk management steps you can take after a loss is to report it as soon as possible. Even if you’re unsure whether the damage will result in a claim, reporting the incident allows Claims Specialists to assess the situation and provide appropriate next steps.
What to Do Immediately After a Loss
Once everyone is safe and emergency needs have been addressed, consider these best practices:
1. Document What Happened
- Write down the date, time, and location of the incident
- Take photos or videos, if possible
- Gather names and contact information of any witnesses
Accurate documentation helps support the claim review process later.
2. Take Reasonable Steps to Prevent Further Damage
Protect your property from additional loss, when possible – for example, covering a broken window or shutting off water after a pipe bursts.
3. Don’t Delay Reporting
Reporting a loss promptly enables the Claims team to respond quickly and guide you through next steps. Providing timely and accurate information helps avoid unnecessary delays.
How to Report a Claim with Utica National
Policyholders with a Utica National company can report a claim quickly online or call us at 1-800-216-1420. Visit our Claims Resource Center for more claims information.
Please have the following information available: your policy number, independent insurance agency name, and the date and details of the incident.
Sources:
Insurance Information Institute. If You Have a Claim. https://www.iii.org/publications/insuring-your-business-small-business-owners-guide-to-insurance/if-you-have-a-claim. Accessed April 20, 2026.
This information and any attachments or links are provided solely as an insurance risk management tool. They are derived from information believed to be accurate. Utica Mutual Insurance Company and the other member insurance companies of the Utica National Insurance Group (“Utica National”) are not providing legal advice or any other professional services. Utica National shall have no liability to any person or entity with respect to any loss or damages alleged to have been caused, directly or indirectly, by the use of the information provided. You are encouraged to consult an attorney or other professional for advice on these issues.
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