Insurance Claims Reinvented: Experience the 5-Step Revolution of Property Insurance Claims
At Sandbox, our goal is to make the claims process as delightfully simple as possible. When life takes an unanticipated turn, you can file a property claim on any device when it’s most convenient for you. Property claims can be anything from homes to farm buildings, to commercial buildings and more. But don’t forget, property claims also include all the belongings inside these dwellings. So, whether you’re faced with storm damage, flooding, or vandalism, our portal is available to you 24/7. No waiting in long phone queues, no guesswork, just straight-to-the-point steps and updates. That’s the Sandbox way!
To begin, visit our Make a Claim page on our website. Processing a claim with Sandbox has just five steps, and you’ll be able to see the status of your claim at a glance at any time! Let’s get into what these five steps are...
Share Your Story
Sharing all the information regarding the claim is the first step, and it’s arguably the most crucial. We’ll break this part down:
- Control and mitigate the initial damage. Prevent more damage from happening (if it’s safe to do so). This could mean shutting off a water source, boarding up a broken window, or moving items to a dry area.
- Document everything. Take clear photos and videos of the damage. The more detail, the better, as it helps us understand what you’re dealing with.
- Keep receipts. If you have receipts for any of the items you believe are part of the loss, keep them handy. They can help speed things along.
To help, we have some in-depth guides on what to do in case of different property perils:
To report the claim, you can give us a call, send us an email directly, talk to our team with our online Live Chat, or use our online claims portal. For further guidance at this stage, be sure to check out our insightful resource, Here’s How to Make a Claim Using Our Online Claims Portal. Another way is to relay your claim information to your insurance broker, and they can reach out to the Sandbox team on your behalf. Some tips during the initial notice process are:
- Provide photographs. They’re a great way to give our team a sense of the damage.
- Create a list of what damages have occurred because it helps us know where to focus first.
- Let us know if a contractor or restoration company has been notified or if temporary repairs are being completed. This is appreciated by our team and gives us oversight of the claim!
And if you're ever unsure what to include, just think: “Would this help someone who wasn’t there understand what happened?” If yes, add it. More information up front means fewer follow-up questions later.
Let’s Get the Whole Picture
After receiving the claim, we’ll contact you as soon as possible. Once we have all the necessary information, our team will compare your details of the loss with the policy in place. We’ll also make sure you understand what’s covered under your policy and what’s not, so there are no surprises down the line. Our priority is always transparency and getting things right. Within the scope of the policy coverages available, our goal is to restore our insureds to their pre-loss condition as best as we can.
Let’s Work Together
We’ll evaluate all the damages, gather reports, and confirm final approvals on the file. You’ll likely hear from us a few times during this step, as we clarify details, coordinate with third parties if needed, and ensure everything lines up with the policy. We aim to keep you in the loop, not in the dark.
Getting You Back to Normal
This is our utmost priority. Once damages are evaluated and approved, we’ll outline the claim settlement options. Depending on the loss and policy terms, we can offer settlements that range from the actual cash value up to 100% of the approved estimate values. At this claim settlement step, we don’t hire contractors, but we can provide a list of companies. The decision to hire contractors rests with you as the insured. You have control here; we simply help make your decision easier with tools and suggestions.
Until You Need Us Again
We’ll close the file and send you a survey inquiring about your full claims experience with Sandbox, which will take less than five minutes to complete. We look forward to receiving your feedback! Your feedback helps shape how we do things—which parts of the claims process we keep, what we tweak, and how we improve.
When the unexpected happens, our online portal can help with getting your life back to normal. Your property claim will be opened, assessed, and closed in a way that’s easy to track, stay informed about, and keep up-to-date through our 5-step process. Start your property insurance claim today and experience how simple and modern a claims process can be.
Just a heads-up: The info in this article might not match your exact policy with Sandbox Mutual Insurance or any other insurer. For the full picture, take a peek at your policy or talk to your broker to make sure you’re properly covered.