Under no circumstances may you admit liability, make any statements, offers, promises, payment, negotiate or settle the claim with any person claiming damages from you. Under no circumstances may you instruct your own attorney to act on behalf of your insurer. You must obtain written approval from TRUM and / or your insurer before giving any instruction for repairs, and / or replacement. No claim will be payable by the underwriters after a period of 24 months from the occurrence, unless the claim is subject to pending legal action (other than a claim under Business Interruption, Fidelity or Personal Accident)

If after the payment of a claim the lost or stolen property is recovered, you are required to render all assistance in the identification and physical recovery of the property (the underwriters will reimburse your client for any reasonable costs incurred). Should they fail to do so, you will immediately become liable to repay all amounts in respect of the claim to the underwriters. Emergency repairs may be undertaken to secure the premises after the loss / damage in order to prevent a possible further loss occurring. Salvage must be kept and must be available for inspection. Once the claim is settled the salvage becomes the property of the insurers / underwriters

Should the underwriters reject a claim, you will need to take legal action within 6 months of their rejection TRUM may appoint a loss adjuster to adjust the claim