Claims Questions & Answers

After a claim is reported, what happens next?

Will my church's rates increase because of a claim?

When should a claim be filed?

As soon as possible! Denise McReynolds at 877 333 2747 is the person to call. She know the answers to all your questions, including "Are we covered?" Your concerns will be addressed, and the claim process started promptly. Denise will also explain the legal requirements for filing claims in the states CPIP serves, and what statutes of limitations may apply.

After a claim is reported, what happens next?

Denise will explain the process when you file a claim. Smaller property claims can often be handled in her office within a week. Larger property claims and all liability claims require some further review and inspection. CPIP can make available funds from its Self-Insurance Reserve for larger property claims as soon as Proof of Loss is established. All claims are reported to and reviewed by CPIP staff to develop risk management policies and practices in Presbyterian churches in all parts of the country.

Do I need to file a police report?

Yes, police reports must be filed for most automobile accidents and all that cause injury. You should also report vandalism, burglary, and theft of all kinds, including church and personal property on church premises.

Will my church's rates increase because of a claim?

No. CPIP's master policy serves hundreds of churches; premium rates are influenced by loss experiences for the entire CPIP family, not an individual church. Similarly, premiums are lowered by the size of the program, and the self-insurance portions of the policy. Churches with frequent losses are assisted in reducing claims by loss control practices and services provided by CPIP through member governing bodies.