How do I submit a liability insurance claim?
You can submit a liability insurance claim if you have caused accidental damage to someone else or their property. Follow these steps:
Step 1. Log in to your Feather account
Head to www.feather-insurance.com and go to "Log In" in the upper right-hand corner, or click on the button below!
Step 2. Access your claims tab
Click into the claims section and then select 'New claim' and there you can submit your liability claim.
Step 3. Enter the date of the event
This is the date when the actual damage to the property happened, not when you received the bill or invoice.*
Step 4. Select the right claim type
Physical injury: is someone has been injured in an accident.
Property damage: covers all incidents of damage to someone else's stuff and physical injury is any accidental bodily harm.
Loss of keys: this is whether you need to replace a key or if your landlord or rental agency has indicated they may need to change the locks for security reasons.
Other: for anything else that doesn't quite fit in with the other options.
Step 5. Describe what happened
Let us know as much information as possible about how the event happened, who caused it and why you think you're responsible. The more information the better. If your claim is not clear, we'll need to reach out to you for further information which can delay the processing time.
Step 6. Upload your photos and documents
Upload high-quality photos of the damaged item(s), scans or photos of any documentation you have regarding the claim. This can include cost estimates given to you by the injured party, screenshots of conversations, as well as any receipts or bills you've been given related to the claim.
Step 7. Give us the contact information of the injured party
The injured party is the person whose property has been damaged (including landlords and/or Hausverwaltung's), we'll contact them directly to arrange any repairs and/or reimbursements so you're not left out of pocket.
We'll need their name, email address and postal address.
Step 8. You've successfully submitted your claim!
We'll get in touch once we've received your claim and keep you updated throughout the processing.
How long a claim takes to process can depend on how quickly the third party gets back in touch with us and if we have all the required information. A claim can take anywhere from 2 - 8 weeks, it can occasionally be longer, but we'll always keep you updated.
That's it!
Should I pay the injured party before submitting my claim?
It is recommended not to make any payments to the injured party before your claim has been reviewed to avoid paying for claims you may not be liable for or paying more than necessary. However, if urgent payments are required, such as replacing lost keys to access your home, include this information in your claim description.
What information is required about the incident date?
The incident date must be the day the actual damage occurred, not the date you received related bills or invoices. Damage occurring before your policy start date is not covered.
How long does claim processing take?
Claim processing times vary depending on how quickly the third party responds and the completeness of your submitted information. Typically, claims take between 2 and 8 weeks, but some cases may take longer depending on the responsiveness of the third party. We provide updates throughout the process.
What happens after I submit my claim?
Once your claim is submitted, we will review it and contact you if we need additional information. We will also reach out to the injured party to coordinate any necessary repairs or payments. You will be kept informed about the progress until the claim concludes.
What if I provide false information in my claim?
Intentionally providing false or incomplete information to deceive during the claim process constitutes insurance fraud. This may result in cancellation of your insurance policy.