What is the first step an insured should take when there is a loss or damage to persons or property?

When there is a loss or damage to persons or property, the first step an insured should take is to give written notice to the insurer. Notifying the insurer promptly is essential because it allows the insurance company to begin processing the claim and to understand the circumstances surrounding the incident. This initial notification is a key requirement in most insurance policies and helps ensure that the insured remains compliant with their policy terms.

Providing this notice also allows the insurer to fulfill its obligation to investigate the claim and assess any damages that may have occurred. By alerting the insurer, the insured can initiate the claims process, which often includes providing additional documentation and information that will be necessary for the settlement of the claim.

Other steps, such as notifying the police, may be relevant in certain contexts, particularly if there is injury or criminal activity involved, but the priority lies in informing the insurer first to initiate coverage under the policy. Admitting liability might complicate matters and is generally not advisable until the situation is more fully understood. Contacting a lawyer can be necessary in specific circumstances, but it typically comes after providing notice to the insurer.