Henderson Brothers Insurance Agency

General / Product
Liability Claim

What to do in the event of damage to your property:

• Provide all appropriate first aid or take steps to prevent further property damage.
• If possible, interview the injured person:
  • Obtain the information necessary to complete a loss report.
    • Include a version of what happened from the point-of-view of the involved party(ies), in addition to your own observations of what their injuries appear to be and their physical appearance. (For example, do they appear to have been drinking? If they slipped on a spilled substance, are their clothes wet? What type of shoes are they wearing?). Do not promise to pay any bills.
• Inspect the scene of the accident;
  • If injuries are serious, preserve evidence. We never know when injured parties may try to exaggerate their claims or take advantage of their injuries. Because of this, except for the most minor accidents, someone should be dispatched to the scene of the incident.
    
    
  • Note in detail any conditions related to the accident (i.e. the nature and size of any spill, the size and depth of a pothole, available lighting). Fully identify any witnesses and document their version(s) of what happened. (Friends and relatives could change their story later.)
    
    
  • Photos of the scene, especially if the area could change, are very helpful.
• Label and save any physical evidence.
• Immediately report all claims to Henderson Brothers Claims Department at 412-261-1842
  • If your call is outside of normal business hours, call our 24/7 Claims Line at 412-261-1842 and press “1.”