1) Auto Property Losses / Property Losses Exceeding $50k

These procedures apply to (1) property damage losses exceeding $50,000 and (2) all auto property damage (vehicle) losses.

🔍 If your non-auto property damage loss falls between $25k–$50k, please scroll to 2) Property Losses Between $25k–$50k (Excluding Auto) below.
💡 Losses under $25k are retained by the member and do not require reporting to PRISM.

✅ Step 1: Complete the PRISM Property Loss Report

To report a Property or Auto Property Damage claim, first complete the PRISM Property Loss Report. This should include the following details:

• Insurance Company: PRISM Property
• Policy Number is: PRISMPR 26-27
• Your policy period: 3/31/2026 – 3/31/2027
• Member name: CIRA and [your entity name]
• Date of loss
• Member name and mailing address
• Contact person(s) for loss details, including full name, title, phone numbers, and risk manager for correspondence and claim payment
• Specific location of damaged property
• Estimated total loss amount
• Responding police or fire department and report number, if available
• Description of incident causing damage (fire, theft, water, circumstances, etc.)
• Mortgagee or Loss Payee name, address, and account number
• Any additional relevant information (remember, it is incumbent upon PRISM members to prove their loss and isolate all expenses, including employee overtime)

✅ Step 2: Email the Completed Form

Email the completed form to Robert Frey, Claims Manager, and Diana Walizada, Claims Unit Manager, representatives from Alliant Insurance Services (Alliant):

To: rfrey@alliant.com; dwalizada@alliant.com
Cc: claims@cira-jpa.org; sandra.doig@mclarens.com; michelle.minnick@alliant.com; tscholle@alliant.com

📩 After a Claim is Submitted

Once a claim is received, a member of the Alliant team will reach out to facilitate further processing and handling. Responsibilities of this team include:

• Reporting losses to involved carriers/entities
• Monitoring the claim’s progress toward resolution
• Providing expertise and assistance regarding coverage and the settlement process
• Collaborating with the member to manage the flow of information needed to prove the loss
• Guiding guidance for handling large losses, when applicable
• Work with McLarens to coordinate investigations, documentation, and timely communication

2) Property Losses Between $25k – $50k (Excluding Auto)

⚠️ Important Reminders Before Submitting a Claim:

• These procedures do not apply to auto (vehicle) losses — only property damage between $25k and $50k.
• All claims must be submitted to the Program’s insurer for adjusting as soon as possible, but no later than one (1) calendar year from the date of loss.

✅ Step 1: Complete the PRISM Property Loss Report

Upon receiving notice of a property damage loss valued between $25-$50k, complete the PRISM Property Loss Report and submit it to the designated claims team noted above. Once a claim is received, the claims administrator will coordinate directly with the member to resolve the claim following the standard process.

✅ Step 2: Submit Proof of Loss (After Claim is Resolved)

Once the claim is resolved and the member has received funds from the carrier, submit the Proof of Loss form (provided by the carrier) to claims@cira-jpa.org.

The Proof of Loss should include the following details:

• Date of the loss
• Name of member and mailing address
• Contact person(s) to discuss and manage loss details, including first/last name, title, phone number, email, etc.
• First/last name, phone number, and email of the risk manager who will receive all correspondence and claim payments
• Specific location of property damaged
• Description of the incident that caused the damage (e.g., fire, theft, water damage, etc.)
• Estimates for repair and/or replacement of damaged property