What to Expect When You Submit a Claim

Even the most skilled and cautious dentists can be faced with a claim. Receiving notice of a potential legal action or experiencing a property catastrophe is stressful but reporting a claim shouldn’t be. TDIC’s in-house claims team is here to support you through the process.

TDIC’s personalized and experienced interaction begins as soon as you submit a claim.

Once submitted, most claims go through the following process:

1. Claim assignment. The specifics of your claim are evaluated, then it is assigned to a claim professional experienced in those areas. Your claim professional will guide you through each step of the process and will be your dedicated contact until your case is closed. TDIC may also assign experienced defense counsel when the need arises to protect your interests.
2. Initial contact. Your representative will contact you promptly after receiving your claim report to discuss the specifics of the claim, explain the claim process and your policy coverage, provide personalized guidance and advice and agree upon a collaborative claim
3. Investigative process. Your representative will review your specific TDIC policy coverage and provisions and begin a thorough investigation into the matter.

For Dental Business Liability or Commercial Property claims, the process may include gathering the details pertaining to the incident or loss, identifying the specific location of the damage or what may have been the cause of the loss, interviews with witnesses or affected parties and photos or documents such as receipts and estimates for repairs. Specifics such as weather conditions, lease provisions, existing mitigating factors and remediation efforts are also considered.

For Professional Liability claims that proceed into litigation, TDIC will retain and consult with appropriately qualified experts to create an experienced and aligned defense team for your case. The defense team will assist you with determining if the case should be positioned for settlement or trial. It is important to note that your TDIC policy specifically provides that no settlement can be considered without first obtaining your written consent.

4. Resolution. If you have questions about your claim payment, do not hesitate to contact your TDIC representative. Cashing a check does not waive any rights you have under the terms of your policy. If your damages are not covered in part or in whole by your policy, TDIC will illustrate how the amounts paid under your policy were calculated and the applicable limits.
5. Claim closure. Once your claim is resolved, it’s Know that if you discover additional expenses, your claim will be reopened for further investigation. You are always welcome to contact TDIC with any questions you may have about your claim.

If you do receive notice of legal action or experience a practice loss or incident, easily file a claim online right within your TDIC account, or call  877.269.8844.