US policyholders

1. Check the "Declarations" page of your policy, toward the front of the document. Information about who to contact to make a claim can usually be found there.
2. Contact your insurance agent or broker.
3. If your agent or broker is unavailable, contact us - Lloyd's US helpline (toll free) 1-866-264-2533 8:30 am to 5:00 pm Central Time or by email info.us@lloyds.com

In the event of a claim, you need to first contact your insurance agent or broker to find out about your policy's coverage. If they are not available, we may be able to assist you by identifying the underwriter in the Lloyd's market who provided your cover to answer any questions you may have.

Please note: We cannot answer specific policy quesions.

> Policyholder enquiry form
 

• Claims Procedure

   In the event of a claim, the insured should always follow the instructions set out in the policy. The proper parties to be notified should be specified in the policy and they should be notified in accordance with the claims procedure of that policy.

  Communication about the claim should take place between the insured and its agent, broker or the entity that sold the insurance to the insured. It is their responsibility to communicate with the Lloyd’s underwriters with whom they placed the insurance.

  If an insured is unable to contact its US agent or broker or is having difficultly providing notice of a claim, a written request for assistance should be sent to:

  Policyholder & Market Assistance
  Lloyd's
  One Lime Street
  London EC3M 7HA
  UK

  Email: complaints@lloyds.com
  Telephone: +44 (0)20 7327 5693
  Fax: +44 (0)20 7327 5225

  This request should include the following information:

  1. Policyholder name
  2. Policyholder address
  3. US broker name
  4. US broker address
  5. Type of policy
  6. Dates of policy
  7. Copy of insurance documentation to include where shown the Schedule of Syndicates with whom the risk has been placed.

  The Policyholder & Market Assistance Department will attempt to identify the appropriate Lloyd's underwriters and bring the insured's correspondence to their attention.  This is a voluntary service and in endeavouring to assist, Lloyd’s does not accept any legal responsibility.

  It is important to note that the Policyholder & Market Assistance Department should only be contacted in cases where the insured is unable to communicate with their US agent or broker and/or where any alternative contacts designated within a policy have been approached for assistance without success.  Lloyd’s is not an agent for claims notifications on behalf of underwriters and this service is offered only where normal lines of communication may have broken down.  In this situation it is possible that Lloyd’s may not be able to identify underwriters or otherwise be of assistance.

  Lloyd’s corporation is not the appropriate party for Service of Suit or Tenders of Defence and Indemnity – such items have to be served on underwriters/their nominated agents.

  Notification to Lloyd’s corporation is not a substitute for notifying claims in accordance with the terms of the policy and/or compliance with the general law.
  

• Useful links

  The following links are to websites giving information about hurricane research and practical advice about what to do when expecting a hurricane.  
  
  Lloyd's doesn't monitor the following sites and accepts no responsibility for their content. 
  
  Hurricane preparation

  Hurricane Preparedness
  National Oceanic and Atmospheric Administration
  Informative site by the US Department of Commerce about hurricane hazards and what to do when preparing for a hurricane,
  
  Institute for Business and Home Safety (IBHS)
  The IBHS is an insurance industry group who encourage enactment and enforcement of building codes. The US-based website has plenty of practical homeowner/small business advice on how to prepare for hurricane.

  Federal Emergency Management Agency (FEMA)
  Practical information on what to do before, during and after a hurricane.
  

  Department of Health & Human Services Hurricane Health & Safety
  Practical advice on hurricane readiness and further information split by specific interest groups affected by hurricanes.
  

  
  Weather and meteorology

  National Oceanic & Atmospheric Administration (NOAA)
  The NOAA's hurricane website, containing links to a wealth of hurricane related information.
  www.hurricanes.noaa.gov

  
  US National Weather Service (NWS) Hurricane Center
  Hurricane information from US National Weather Service, from practical advice to research information.
  

  Atlantic Oceanographic & Meteorological Laboratory (AOML)
  Hurricane Research Division
  Hurricane research information from the AOML. Some of the content on this site requires registration.

  Hurricane Forecasts from Colorado State University
  2006 Atlantic seasonal hurricane forecasts from Philip J. Klotzbach, Colorado State University.
  
  European hurricane and storm sites

  Tropical Storm Risk
  Forecasts the risk from tropical storms worldwide. Provides information and forecast products to benefit risk awareness and decision making in (re)insurance, other business sectors, government and society.
  
  Hurricane Forecasts from University College London
  Atlantic hurricane long-range forecasts from Professor Mark Saunders, University College London.

  Benfield Hazard Research Centre (BHRC)
  Research information from Europe's leading multidisciplinary academic hazard research centre.
  
  Insurance industry hurricane websites

  Insurance Information Institute (III)
  Information resource for insurance professionals, press and the public. Access to industry reports, presentations and research.
  
  Hurricane Insurance Information Centre (HIIC)
  Website from the III offering information on insurance coverage and referring people to insurers, government agencies and other sources of assistance.

  Other

  Swiss Re Sigma Insurance Research
  Annual facts and statistics about natural catastrophes, including hurricanes.

  Hurricane Post
  Latest hurricane and weather disaster news from WN Network.