Once a loss has been identified, it must be reported as soon as possible, taking into account the working days specified in the general conditions of the home insurance policy. There are several ways to report a home claim:

• Using the MyBaloise app 
• By telephone: in the case of an urgent claim, you can call for assistance 24 hours a day, 7 days a week. 
• Through your agent

For an emergency, it is better to call the company or your agent to report the claim, as these are the fastest solutions. 

When the loss is not an immediate emergency, it is more efficient to use MyBaloise by making your declaration via the customer area.

Here are the 10 most important things to remember when making a claim: 

1. Contact information: this is personal information such as the name and address of the insured person, etc. This is the first information requested on the form. Remember to fill in the contact details of the person insured by the home insurance policy. 
2. The policy number: it is important to have the policy number at hand. For the insurer, the policy number is essential. This enables him to find the entire file more easily, particularly if the details entered do not relate to any policy. It is also necessary to specify whether there are other policies covering the same risk with another insurer.
3. The date of the loss: This is essential information because it enables the validity of the policy to be checked at the time of the loss. Knowing the date also ensures that you are talking about the same claim if the insurer needs to talk to other insurers about it.  
4. The circumstances of the disaster: what happened, in detail? This is what the insurer wants to know. It is essential to give the maximum of information, as accurately as possible. This will help the insurer understand better the claim as a whole, so that it can be managed in the best possible way to help the injured party. 
5. The known or assumed causes of the loss: even if the exact causes of the loss are not known, it is still possible to infer or presume them.  
6. The kind of damage: in the event of a loss, some of your property may be damaged. You must therefore identify the full extent of the damage. Moreover, but only when there is no longer any danger, it is important to take photographs of the damage caused by the incident and to do this before everything is cleaned up. These photographs will be used as evidence for the insurance file, but also to assess the extent of the incident.  
7. The approximate amount of the damage: after taking the photographs, the value of the damaged goods should be specified either by means of the invoices which can be attached to the declaration, or by an estimate based on the current market price. This will enable the insurer to have an estimate of the amount of compensation. 
8. Name and address of impacted persons: only if applicable. If a third party is involved, then it is important to mention them in the declaration. 
9. The name and address of the responsible party, if possible, or a report from the authorities: this information should only to be mentioned in the event of theft. For other types of loss or damage there is no obligation to provide this information.
10. An account number: just as important as the other points. The information which is often missing from the claim form are the client's banking details. The insurer needs to know this information in order to pay the compensation. 
     

In the event of a home claim, you have 8 days from the date of the claim to report it, except in cases of force majeure. Please refer to the general terms and conditions of your home insurance policy.

In the event of theft or attempted theft, or an act of vandalism or malicious damage, you must first file a complaint with the appropriate authorities and provide us with a receipt for the complaint.