{"id":42,"date":"2026-03-05T16:09:37","date_gmt":"2026-03-05T21:09:37","guid":{"rendered":"http:\/\/artinsurancenow.com.s114801.gridserver.com\/blog\/?p=42"},"modified":"2026-03-06T14:13:35","modified_gmt":"2026-03-06T19:13:35","slug":"reporting-a-claim","status":"publish","type":"post","link":"https:\/\/www.artinsurancenow.com\/blog\/reporting-a-claim\/","title":{"rendered":"How to Report an Art Insurance Claim in 2026: Timely Tips + Smartphone Damage Guide"},"content":{"rendered":"\n
\n
\"3<\/a>
Document everything immediately for your insurance claim. Keep all photos, videos, and notes until your adjuster approves disposal.<\/figcaption><\/figure><\/div>\n\n

If your property has been damaged, follow these essential steps right away:<\/p>\n

    \n
  1. \n

    Take whatever steps are necessary to prevent further damage and keep receipts for any expenses. Search Google Maps for \u201cFire and Water Damage Restoration near me\u201d to connect instantly with qualified local contractors.<\/p>\n<\/li>\n

  2. \n

    Make a detailed list of all damaged property and document everything with clear photos and videos using your smartphone.<\/p>\n<\/li>\n

  3. \n

    Do not throw away any damaged property until an insurance adjuster tells you it is all right to do so.<\/p>\n<\/li>\n

  4. \n

    If the claim involves another party, do not admit liability or reveal your limits of insurance coverage.<\/p>\n<\/li>\n<\/ol>\n

    Most of the insurance companies we represent have 24-hour claim service, and you can report your claim directly to them. (They will contact us automatically.)\u00a0<\/p>\n

    For help understanding why art has multiple values (insurance, appraisal, and auction\/market), see our guide Why Art Has Multiple Values: Expert Commentary on Appraisals, Auctions, and Insurance<\/a>.<\/p>\n

    Timely reporting of claims is a must!<\/h2>\n

    Please remember that when you buy an insurance policy, the agreement with the insurer is that you will let the insurer know whenever you are aware of a situation that might give rise to a claim. Time \u2014 and timely notification \u2014 is critical, if the insurer is to keep its own part of the agreement\u2026to make you whole for any covered loss you might have. Often, particularly with liability claims where a legal defense is required, the insurer is required to begin gathering information right away. If the insurer is not put on notice until the later stages, an effective legal defense might be impossible, and the carrier might exercise its right to deny the claim on the basis that the policyholder did not provide timely notification. State laws vary, but in general, they support the insurers in their denial of such claims.<\/p>\n

    Do not wait to see if a problem will \u201cblow over.\u201d As soon as you are aware of circumstances that might give rise to a claim, please review your policy language regarding covered claims and your reporting responsibility. At your request, Bernard Fleischer & Sons, Inc will assist you in dealing with the insurance company in an effort to assure that the claim is properly evaluated and you are treated fairly.<\/p>\n\n

    Require help reporting a claim right now?<\/h2>\n

    Call our New York office today at 800.921.1008 or 212.566.1881 ext. 111.<\/p>\n

    Bernard Fleischer & Sons, Inc. | ArtInsuranceNow.com<\/strong><\/p>","protected":false},"excerpt":{"rendered":"

    If your property has been damaged, follow these essential steps right away: Take whatever steps are necessary to prevent further damage and keep receipts for any expenses. Search Google Maps for \u201cFire and Water Damage Restoration near me\u201d to connect instantly with qualified local contractors. Make a detailed list of all damaged property and document … Continue reading How to Report an Art Insurance Claim in 2026: Timely Tips + Smartphone Damage Guide<\/span> →<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[49],"tags":[208,212,211,209,210,106],"yoast_head":"\nHow to Report an Art Insurance Claim in 2026: Timely Tips + Smartphone Damage Guide - Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors from New York to California How to Report an Art Insurance Claim Updated March 2026 | Bernard Fleischer & Sons<\/title>\n<meta name=\"description\" content=\"Learn exactly how to report an art insurance claim quickly in 2026 \u2014 including smartphone tips for documenting damage and 4 essential steps. Call 800.921.1008 for immediate help from William Fleischer at Bernard Fleischer & Sons.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.artinsurancenow.com\/blog\/reporting-a-claim\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Report an Art Insurance Claim in 2026: Timely Tips + Smartphone Damage Guide - Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors from New York to California How to Report an Art Insurance Claim Updated March 2026 | Bernard Fleischer & Sons\" \/>\n<meta property=\"og:description\" content=\"Learn exactly how to report an art insurance claim quickly in 2026 \u2014 including smartphone tips for documenting damage and 4 essential steps. 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