All claims, Equal Employment Opportunity Commission or National
Labor Relations Board charges, law suits, and potential claim
situations should be reported immediately by telephone or by
fax directly to the:
Property/Casualty Insurance Claims Department
CATHOLIC DIOCESE OF CLEVELAND
1404 East Ninth Street, Eighth Floor
Cleveland, Ohio 44114-1722
(216) 696-6525, 1-800-869-6525
(Monday through Friday, 8:30 a.m. until 5:00 p.m.)
24 HOUR-A-DAY REPORTING AVAILABLE ON VOICE MAIL
(with the use of a touch-tone telephone)
FAX LINE: (216) 861-0406
(Also available 24 hours-a-day)
PROPERTY, AUTOMOBILE, AND BOILER CLAIMS MUST BE SUBMITTED FOR
THE INSURANCE CARRIER'S INSPECTION AND/OR AUTHORIZATION PRIOR
TO COMMENCING REPAIR WORK (OTHER THAN EMERGENCY BOARD-UP,
CLEAN-UP , OR TEMPORARY REPAIRS NECESSARY TO PROTECT THE PROPERTY
FROM FURTHER DAMAGE OR LOSS). FAILURE TO OBTAIN PROPER APPROVAL
WILL JEOPARDIZE THE PAYMENT OF YOUR CLAIM!
A function of the Diocesan Property/Casualty Insurance Claims
Department is to receive claim reports from the insured and to
instruct the action to be taken in order to protect the interests
of all parties involved. Further, it is the purpose of the Claims
Department to process, monitor, and supervise all claims in order
to ensure fast and fair payment. Please report any delay or dissatisfaction
to the Claims Department or to the D.I.S.C. agency.
If any changes occur during the policy term, please report them
to the Diocesan Property/Casualty Insurance Department. Such
procedures will keep all exposures and property values up-to-date.
All purchases/sales of buildings, equipment, substantial content
items, or vehicles, as well as property acquisitions, must be
reported immediately . If you have any questions about
what items you should be reporting, do not hesitate to call and
we will advise you accordingly.
NEW BUILDINGS AND MAJOR STRUCTURAL ALTERATIONS
Before a parish or institution contracts for construction of
a new building or undertakes renovation of an existing building,
copies of such construction contracts should be submitted to
the Diocesan Property/Casualty Insurance Department to ensure
that all necessary construction bonds, builders' risk insurance,
and other necessary policies are secured
Inspections and Visitations
All participants of the Diocesan Master Insurance Program are
subjected to periodic inspections and visitations from the following
THE BOILER INSPECTOR
Hartford Steam Boiler Inspection and Insurance Company will
send a licensed representative annually to provide the mandated
inspection of all vessels and equipment insured under their policy
that require a certificate of operation issued by the State of
Representatives from various insurance carriers will make periodic
hazard/safety inspections at insured locations to observe operations
and issue comprehensive recommendations to eliminate or control
potential risk exposures for our property/liability insurance
program. These representatives will write in advance requesting
a visitation date along with particular documentation to be made
available for review at that time.
NOTE: The above-described representatives
will present proper identification at the start of their visit.
If you feel uncertain of the authenticity of any person requesting
admission to your location, ALWAYS obtain their
complete name, a form of corporate identification, the reason
for their presence, and immediately contact
the Diocesan Property/Casualty Insurance Department or D.I.S.C.
agency for verification.
Confidential Incident Reports
One of the most critical parts of the insurance contract between
your location and the carrier(s) is the requirement of reporting
all incidents or alleged incidents of bodily or personal injury
that will expose the Diocese, its parishes, schools, institutions,
program invitees, or affiliates to legal liability. The contract
provides that all incidents be reported "as soon as practical
after knowledge." This condition requires that the Diocese
of Cleveland provide notice of incidents or accidents within
a reasonable time. This precondition must be met in order to
preserve our rights under the contract with each insurer. Failure
to meet this condition may result in a finding that the precondition
has not been met and, therefore, the insurer no longer has a
duty to defend or compensate the injured party for any loss which
may have occurred. Failure to comply with the contract could
place the Diocese, as well as your location, in serious jeopardy.
In order to facilitate compliance and avoid any potential loss
of coverage, effective immediately , all documentation
involving the reporting of incidents shall be sent directly to
the Property/Casualty Insurance Department of the Diocesan Finance
Office. No other Diocesan office or department shall receive,
nor will in any manner, obtain said documentation. This will
avoid any delays in submitting notice to the insurance carriers
and will prevent loss of coverage. Please print your own "CONFIDENTIAL
INCIDENT REPORT FORM." These
forms are only to be used for reporting incidents of potential
liability; they are NOT intended for reporting
property, boiler, or vehicle damage claims.
Directing this documentation to the Property/Casualty Insurance
Department will also prevent these reports from being discoverable.
Under current law in the State of Ohio , incident and/or accident
reports are privileged only when the reports are submitted by
the insured to the insurer. This protection includes the submission
of the reports to the insurance agent and then to the insurer.
In this case, the agent would be considered the Diocesan Property/Casualty
Insurance Officer. The reports become the property of the insurance
company and are submitted to counsel to prepare an appropriate
defense. The report falls under the protection of the attorney-client
privilege. Any third party access to these documents will immediately
remove the protection and discovery shall be permitted.
In order to protect the Diocese, its parishes, schools, institutions,
program invitees, and affiliates from burdensome, overreaching
discovery requests and to protect from discovery those documents
which, under normal circumstances, are clearly privileged, it
is imperative that all reports of incidents and/or accidents
be submitted directly, without delay. Copies of reports or notices
shall NOT be retained at any location or forwarded
to any other office of the Diocese.
Vehicle Accident & Damage Reports
If an insured vehicle is involved in a collision and/or sustains
physical damage, you must report the incident to the Diocesan
Property/Casualty Insurance Claims Department within twenty-four
hours of the occurrence. Vehicle claims may either be faxed at
anytime to (216) 861-0406 or phoned in to (216)
696-6525, 1-800-869-6525, Extension 3400 , Mondays through
Fridays, between 8:30 a.m. and 5:00 p.m.
- collision in which you are clearly at fault;
- incident where there is bodily injury;
- accident where there are conflicting statements
and uncertainty as to who is responsible; make no statements
and allow the insurance adjuster to investigate the incident
and determine liability;
- accident where the insured vehicle has been struck
by an unknown, underinsured, or uninsured motorist;
- window glass damage, theft, or vandalism
It is NOT necessary to report:
- accidents where the other driver/owner is clearly at
fault and possesses a current insurance policy to cover your
vehicle's physical damage, injuries, rental car expense, etc.
Please print your own "VEHICLE
ACCIDENT & DAMAGE REPORT." It is ideal
to place a few of these reproduced forms in each insured
vehicle to facilitate obtaining all of the necessary details
while at the scene of an accident before reporting the claim.
If a fax machine is unavailable at your location, this form
also serves as a practical outline of information that will
be requested when you call by telephone.