Insurance Call Expectations

INSURANCE CALL EXPECTATIONS

This document establishes the mutual expectations and procedural acknowledgements governing telephonic communications between the Applicant/Insured and the Insurer's representatives for policy servicing, claim intake, and related matters. Completion of this form does not amend coverage terms but records consent, verification standards, documentation requirements, and response time commitments applicable to calls and claim reporting.

Applicant / Insured Information

Morning | Afternoon | Evening

Policy Details

Auto Homeowners Renters Life Health Commercial Other:

Call Handling & Claim Intake Expectations

When reporting a loss by telephone, the Insured will be asked to provide a Claim Intake Representative with the following minimum information. The Insured acknowledges that failure to provide accurate information may delay claim processing:

• Policy Number and Insured Name
• Date and Time of Loss:
• Location of Loss:
• Brief Description of Incident (see details below)

Estimated initial loss/damage amount:

Photographs of damage Repair receipts / invoices Police report Medical records Other:

Expected initial call acknowledgement timeframe: within hours. The Insurer will assign a claim number and provide the Insured with the Claim Number during intake when practicable.

Coverage, Exclusions & Limitations

The existence of telephone-based call acknowledgement or intake does not alter policy coverage, exclusions, limits, or conditions. Coverage determinations will be made in accordance with the policy terms, subject to verification and investigation. Common exclusions that may be discussed during calls include but are not limited to intentional acts, wear and tear, and pre-existing conditions.

Acknowledged exclusions (check any discussed during this call): Intentional Acts Wear and Tear Pre-existing Condition

Beneficiary / Payee Information (if applicable)

Consent, Representations & Certification

By signing below, the Insured certifies that the information provided in this form is true and accurate to the best of the Insured's knowledge. The Insured authorizes the Insurer and its representatives to record telephone calls, to obtain and disclose information from third parties as reasonably necessary for policy servicing and claim investigation, and to use the Insured's contact information to communicate about this policy and any reported claims.

The Insured understands that any statement made with intent to mislead or materially misrepresent facts may result in denial of coverage, rescission of the policy, or other remedies permitted by law and policy terms. The Insured further understands that documented timelines for acknowledgements and investigations are targets and may be extended for reasonable cause, including need for additional documentation or third-party investigation.

I consent to the recording of calls for quality assurance and claim verification purposes: Yes No

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