Property Insurance Claims Procedure

Property Insurance Claims Procedure

Parishes are to call Catholic Mutual Group to report all claims. The toll-free number is 1-800-228-6108. Catholic Mutual is open Monday through Thursday from 6:30 a.m. to 3:30 p.m. and Friday from 6:30 am to 10:30 a.m. Mountain Time.

Catholic Mutual will forward a Loss Acknowledgement of the claim with the claim number to the parish with copies to the Diocesan Office of Business & Finance and HUB International Insurance. Please refer to the claim number on any correspondence.

 Small Property Damage Claims: Catholic Mutual requires cost estimates from the parish. The following are examples of small property damage claims: thefts, vandalism, glass breakage, etc.

(A) The parish forwards copies of cost estimates such as invoices, advertisement, etc. directly to Catholic Mutual Claims Department, Attn: Brian Durow, 10843 Old Mill Road, Suite 300, Omaha, NE 68154-2600. Parish keeps originals on file.

(B) Catholic Mutual reviews the estimates and prepares claim settlement.

 Large Property Damage Claims: Catholic Mutual requires an inspection of the property damage by an appraiser assigned by Catholic Mutual. This appraiser will contact the parish. The following are examples of large property damage claims: wind, hail, fire, boilers, etc.

(A) The appraiser will provide forms to be filled out and returned, along with copies of invoices or estimates, to complete his appraisal. The appraiser forwards his appraisal of large property damage to Catholic Mutual.

(B) The parish will obtain three bids for work to be done. The appraiser will furnish bid forms for contractors. Parish may select which bid they wish to use, but will be responsible for payment above the claim settlement.

(C) Catholic Mutual reviews the appraiser’s appraisal and prepares the claim settlement.

 Prior to starting repairs and/or replacing large property damage claims, parishes are to contact HUB International Insurance to verify insurance coverage required by vendors, contractors, etc. Parish will keep copies of proof of insurance on file.

(A) Volunteers may be used on projects and are covered under the Diocese of Pueblo accident insurance policy. If volunteers are used, the parish must obtain building permits, and have work inspected and approved by the Building Inspector. The parish will send a copy of the approval to HUB International Insurance before payment will be made.

(B) An additional fee will be charged for accident insurance coverage of the volunteers.

 Catholic Mutual will forward their Settlement Letter and, if applicable, a check to the Diocesan Office of Business & Finance. The check will be held by the Diocese in the Catholic Mutual Trust Fund. The settlement letter will indicate the total dollar value of the claim paid, the amount that will be paid once repairs and/or replacements are made, and the deductible amount. A copy will be forwarded to the parish and to HUB International Insurance.

The Parish is to forward all invoices for replacement or repairs on all claims directly to HUB International Insurance, Attn: Diocese Claims Department, P.O. Box 4316, Pueblo, CO 81003-0316. The parish keeps a copy of all invoices on file.

HUB International Reviews all invoices on claims, compares to the estimate, and notifies the Diocesan Office of Business & Finance to pay the parish from the trust fund. HUB International Insurance will forward a copy of this notification to the parish.

(A) If the large or small property damage claim is not replaced or repaired, the Diocesan Office of Business & Finance will not forward payment.

(B) Checks will be issued payable to the parish for reimbursement of paid bills.

(C) The Diocesan Office of Business & Finance issues checks to the parish and/or vendor on the 6th and 21st of each month. HUB International Insurance must have all your invoices by the 1st and 15th of each month.

 (D) Any funds remaining unused will be transferred to the Self-Insurance Reserve Fund to be shared by all parishes through either premium reductions or as a return to the parishes.

 If you have any questions regarding your property insurance claims, please contact:

 

HUB International Insurance, Diocese Claims Department,

at (719) 544-2533 or 1-800-945-4003.