SUPPORTING YOU EVERY STEP OF THE WAY.

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1 THE CLAIMS PROCESS

2 SUPPORTING YOU EVERY STEP OF THE WAY. Accidents happen, and when they do, you can rely on the Builders Mutual claims department to respond with unparalleled service, speed, and individual attention. Policyholders are assigned a single point of contact who handles your claims from beginning to end. We will thoroughly review your workers medical bills and case documents, strive to get your vehicles back on the road and equipment back in working order, and protect your interests in costly litigation.

3 TIME IS MONEY. Waiting to report a claim can impact everyone involved. For starters, the longer you wait, the more difficult it is to investigate the claim. Early reporting results in better evidence, which helps adjusters better evaluate the claim. In general, the longer you wait to file a claim, the greater exposure you risk. While we can t remove all the dangers from construction, we can help you better protect the interests of your crew and your company when an accident occurs. We urge you to report all claims as soon as possible, and we make it easy to do so with our efficient claims process.

4 CLAIMS REPORTING MADE EASY. We encourage you to report a claim in the way that is most comfortable and convenient for you.

5 As soon as possible, we want to hear from you: Call and you will be connected with a representative. Log in to your account at BuildersMutual.com to report a claim online. noticeofloss@bmico.com FAX Keep in Mind When reporting a claim, details matter. We will ask you a series of questions that help us gather as much information as possible, including: background information specific incident details witness statements employment files videotapes other pertinent documents & records When information is readily available, our adjusters can investigate and process the claim more effectively and efficiently.

6 SETTING EXPECTATIONS FOR EXCEPTIONAL SERVICE. Once your claim is submitted, we will follow up with you within one business day, either by mail or phone, to provide you with your claim number and your adjuster s name and contact information. Your adjuster will maintain contact with you and communicate the decision to all impacted parties. Workers compensation claims have a few more steps. If the report of injury indicates that there has been no lost time from work greater than the state-specified waiting period, the adjuster will process the claim as medical only. You may be contacted for additional information. However, when lost time from work is reported, the adjuster will also contact: The injured worker, to get information about the injury and possibly a recorded statement. The medical provider, to request records and confirm diagnosis and treatment. To follow up on a claim, contact your adjuster directly. For general questions or to check on the status of a claim, call

7 FREQUENTLY ASKED QUESTIONS Can I pay my own injured workers medical bills? You may pay the medical costs associated with your injured workers accident. However, you will still need to send in an incident report letting us know that an accident occurred, but you will be taking care of the bills out of pocket. This is known as a Report Only claim. Do I have to report every incident? We encourage you to report any incident or injury that could potentially be related to your work. What may seem minor could easily turn into something that will require more attention. Rely on us to be the experts in determining how it should be handled. What information does the adjuster need from me? Your adjuster will need detailed information about what occurred, who was involved, how and when it happened, where treatment was sought, and who were possible witnesses. We will likely request more details and paperwork as the claim progresses. We believe that communication is crucial to effectively managing the claim, and we will reach out to you as necessary throughout the process.

8 Claims Department PO Box Raleigh, NC buildersmutual.com STAY CONNECTED