Report a Loss
If a covered loss occurs, we are ready to help.
Fusion Loss NotificationDownload
What to do in the event of a property lossDownload
Don’t delay – report today!
Notify RMS immediately of any loss or any event that might lead to a loss.
Once we know about the loss we can start to help you. This is important as some insurance policies or covers have requirements to notify the insurer immediately, or a ‘limitation of time clause’ requiring notification within a certain time period.
A delay in reporting may result in your claim being declined; so don’t delay, report today!
Q: What does it mean to ‘report a loss’?
Think of reporting a loss as simply giving RMS a summary of a breaking news story, you need to tell us:
- What caused the loss? (e.g. cyclone, break & enter, impact damage)
- When did it happen? (date and time)
- Where did it happen? (location of where the loss occurred)
- Who suffered the loss? (person or organisation)
- How much will it cost to reinstate? (by best guess or estimate)
Once we know all of this ‘high-level’ info, we can start to investigate the loss and commence the loss resolution process.
It is a simple 2-step process to report a loss:
Tell us what you know!
- Call or email RMS, then Download the Loss Notification Form and complete the first page.
- If the loss is expected to exceed $5,000 (estimated) you should telephone RMS immediately and speak with our Loss Resolution Officer.
- Do not wait for invoices and quotes in order to report the loss – report the loss immediately.
Send the completed Loss Notification form to RMS via email. The email address is shown on the form.
If an itemised inventory of property lost/damaged/stolen is required then our Loss Resolution Officer will advise and guide you through this process. After you’ve completed Steps 1 and 2, RMS will begin to process your loss. If you have any questions, please do not hesitate to call us. We are ready to help.
We understand that suffering a loss is at the very least annoying but in some situations it can be quite overwhelming. Whether it is storm damage to church property or stolen bags while travelling overseas we will do our best to help.
Some losses are simple and straight forward and can be resolved quickly. Others are complex and require expert investigators and loss adjusters – these losses take longer to finalise.
Whether your loss is big or small, simple or complex there are some basic actions that you can take that will help everyone involved:
Take all reasonable precautions to prevent further loss.
Never place yourself or others in danger, but if it is safe to do so take steps to limit the loss and keep the area around the loss safe. If you need help please do not hesitate to contact us.
Notify the police or other relevant authorities of any criminal activity.
If the loss involves vandalism, burglary, theft or any other illegal activity always obtain a police report as RMS or insurers may require you to provide a copy.
Don’t dispose of any damaged items without asking us.
The insurer or loss adjusters may need to inspect the items to complete their assessment so please store it safely until we tell you that it is no longer required or the loss is finalised.
Take some photos.
If it is safe to do so, please take some photos of the damage or loss as they may assist RMS or insurers with the assessment of the loss.
Complete the appropriate Loss Notification or Claim Form.
RMS and insurers need your paperwork to process a loss. In most cases you will be required to have your Conference, Union, Division or Institution Office countersign the form before sending it to RMS or the insurer. Most Loss and Claim forms are available for download above.
Obtain and keep all invoices and quotes related to the loss.
RMS and insurers will nearly always require quotes and invoices before paying for any loss. If you anticipate any difficulty in obtaining quotes or invoices please contact us to discuss your situation.
Like you, we are Adventist. And like you, we want to see your ministry thrive, so we endeavour to resolve losses as quickly as possible. We are here to support you so please don’t hesitate to contact us in the event of loss.