It is imperative that Risk Management is made aware of any incident that occurs on campus that could be considered a claim within 1-2 business days. This includes (but is not limited to):

• An employee who is injured
• If someone who is not an employee is injured on campus 
• University vehicles or golf carts involved in an accident
• Property damage to University owned property

When reporting property claims, copy your College or Division Administrator on the email to Risk Management and all correspondence regarding the claim. 

Reporting A Claim

Workers' Compensation

Follow this link for instructions: Workers' Compensation Claims

Automobile (including Golf Cart and Low Speed Vehicles)

Drivers must contact Risk Management to provide all information needed to report the accident to our insurance carrier and to establish a claim for physical damage if applicable. The Auto Accident Report form should be completed by the University driver.

Property

Complete the Property Loss Notification form after a loss and submit to Risk Management. Claims must be reported to Risk Management as soon as practicable. 

To assist with the claims process, the following documents may be used: 

• Property Claim Checklist
• Personal property/contents claim tracking form 

To reduce the potential of claim denial, all quotes must be approved by Risk Management before any claim expense is agreed to. The only exception are most expenses of an emergency nature needed to mitigate further damage or expenses needed for life safety reasons. If the department agrees to an expense prior to Risk Management approval, that portion of the claim may be denied. This may include, but is not limited to:

• Loss of Income 
  • Lost grant funds
  • Loss of revenues from any UHS operations
  • Loss of rental fees
• Extra expenses 
  • Emergency supplies
  • Hotel expenses 
  • Parking expenses
  • Rental equipment 
  • Repair or Replacement of contents/equipment

Do not throw away any damaged property until after Risk Management has had an opportunity to review the claim. The insurance adjusters may need to see the damaged property, so it is best to not throw anything out, even if it is a complete loss, until after Risk Management's review.  

The College or Division Administrator must be copied on all communications, submissions, or other contacts with Risk Management which includes meetings. 

Property Deductibles

The System maintains a $250,000 deductible on its property insurance coverage for most perils or as outlined in the property insurance policy. Specifically regarding Named Storms, there is a deductible of 3% of the value per Unit of Insurance as reported on the latest statement of values, subject to a minimum of $500,000 for any one occurrence.

• Each university in the system is responsible for the full applicable deductible for each claim
• Insurance claims payments will not provide any compensation until the cost of damage exceeds the deductible
  • For UH Main campus, the departmental deductible is $25,000 

General Liability

Accidents or incidents which create a possible liability against the University must be reported promptly to your Campus Risk Management Contact. The Student/Visitor Incident Form must be completed by the student or visitor, and the Tort Liability Incident Report form should be completed by the department if required by Risk Management.

All Other Claims

Contact Risk Management immediately of any incident that may be a potential claim. 

For any questions regarding the claims process, please contact Risk Management to discuss.