CLAIMS PROCESS – QUESTIONS AND ANSWERS
For questions regarding the purchase of policies, policyholders may call National Student Services: 1-800-256-6774 between 8:00am - 5:00pm CST.
The Claims Department does not address policy questions.
For questions concerning claims only, please call 1-800-256-6774 ext. 7918.
You may also email the Claims Department directly at claims@nssi.com

THEFT:

(1) Students must obtain a report documenting the theft from either campus security or the local police department.

(2) If there is a charge for the report, the cost can be reimbursed by including a receipt with other paperwork.

(3) If students are told that the request for the theft report must be initiated by the Insurance Company, note that on the claim form. Include the phone number (with area code) of the law enforcement unit.

(4) For any one item valued over $100.00, proof of ownership is required. This can be a sales receipt, a charge card statement or a picture* of the owned item demonstrating actual possession of the item before the reported loss. If the original box is available, a copy of one side of the box or the original owner’s manual will be accepted. Only one proof of ownership is needed. If the theft involves a computer, the Computer Check List must be completed, unless the receipt specifically states the specifications of the computer.
*pictures will not be accepted for electronics

(5) Sales receipts and/or replacement quotes should be provided for any item claimed regardless of value.

DAMAGED ITEMS:

(1) All damaged electronics, excluding iPod's, cell phones, and point-and-shoot digital cameras, must be taken to a repair company to determine if the item is repairable. If the item is repairable, the technician must provide an Estimate of Repair. This estimate should be submitted along with the Main Form and other paperwork.

(2) Damaged iPod's, cell phones, and point-and-shoot digital cameras need to be sent in with the claim forms to prove ownership and damage.

(3) If damages are caused by lightning strike or power surge, request the Electrician’s Affidavit via claims@nssi.com. The technician will complete the form, indicating whether or not the item can be repaired. If repair is possible, the cost of repair should be included.

(4) If the technician determines that the equipment is not repairable, this must be in writing. We do not accept quotes.* If the repair company is not willing to put this in writing, our office may require that either a picture of the damaged item be submitted, or if the item is small enough, we may ask that it be mailed to our office. Shipping costs will be reimbursed.

(5) For damaged items, proof of ownership is established by securing an Estimate of Repair on the repair company’s letterhead or invoice or by sending in the actual damaged item.

(6) IMPORTANT!!! DO NOT DISPOSE OF ANY DAMAGED ITEMS UNTIL GIVEN PERMISSION FROM THE CLAIMS DEPARTMENT!!! Shipping costs will be reimbursed by the Claims Department.

*The difference between an Estimate of Repair and a quote is that the Estimate gives a detailed breakdown of costs. A quote is an estimated total of overall costs.

COMMON CLAIM QUESTIONS: