1 How do I make a Damaged Property Report?
- Telephone 800-TTEC (8832) or 800-BULB (2852).
- Contact or visit a T&TEC Customer Service Centre.
2 What information do I need to make a Damaged Property Report?
Provide:
- Full name.
- Primary and secondary contact numbers.
- Email address.
- Location where the incident occurred.
- Date of the incident.
- A brief description of the damage and what took place.
3 What happens after my Damaged Property Report is made?
T&TEC's Security Department investigates the incident and submits a report to the Risk Management Department for review. The Risk Management Department then contacts the person who made the report and requests the documents needed to initiate a claim.
4 What additional documents are required if I am making a claim?
Copies of the following are required where they have not already been submitted:
- Proof of ownership, such as a certified copy or deed.
- A valid form of identification - National Identification Card, Driver's Permit or Passport.
- Estimates or receipts.
- A Trinidad and Tobago Police Service report, where applicable.
- Photographs of the damage.
5 Can I repair or replace the damaged property after submitting a claim?
T&TEC recommends waiting until its personnel and/or an appointed adjuster has viewed the damaged property before carrying out repairs or replacement.
6 How is the settlement amount determined if T&TEC accepts liability?
T&TEC assesses the damaged property and supporting documents. In some cases, an independent adjuster may be appointed.
The settlement is based on the reasonable cost of repair, or the replacement cost less reasonable deductions for wear and tear, betterment and obsolescence where applicable.
7 Will I be paid the cost of a new item?
No. Property generally loses value with age. A deduction for wear and tear is therefore used when determining the actual cash value.
8 How will payment be made if my claim is settled?
A settlement may be paid by T&TEC's insurer or directly by T&TEC. Where T&TEC makes the payment, it may be:
- Applied as a payment to the relevant T&TEC electricity account and reflected on the next bill; or
- Sent by wire transfer. The claimant is responsible for the bank charge deducted from the settlement: TT$20 for Republic Bank and TT$65 for other banks.
9 What can I do if I am not satisfied with T&TEC's decision?
You may contact the insurer or broker where applicable, email risk@ttec.co.tt with Damage to Private Property in the subject line, or contact the Regulated Industries Commission (RIC).
State the grounds for disagreement and include any additional facts and details that support your position.
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