BUREAU OF RISK MANAGEMENT

If damage or loss is between $5,000 and $1,000,000, the Bureau of Risk Management will reimburse the agency for repair and/or replacement costs from the Self-Insurance Fund. The Agency must pay for the repairs first then seek reimbursement from the Bureau of Risk Management – Self-Insurance Fund. Repairs must be of similar like kind and quality.

AGENCY HEAD

Agency Head may select one of the following options:

• Make repairs using own maintenance force, or
• Request the awarding of a contract for such repairs or replacements, or
• Make repairs or replacements at a later date.

LOSSES

• Losses of $5,000 or less are absorbed by the affected agency. ($5,000 is the Agency's Deductible)
• Losses above $5,000 to limits of The City's Commercial Insurance Policy's deductible, currently at $1,000,000, are covered by the City's Self-Insurance Fund. (The first $5,000 of a covered loss is still the agency's responsibility.)
• Losses in excess of the City's Commercial Insurance Policy's deductible, currently at $1,000,000, are covered by a Commercial Insurance Policy. (In such cases, the first $5,000 is the agency's responsibility; the next $995,000, or the limits of the Commercial Insurance Policy's deductible, is covered by the City's Self-Insurance Fund.)
• The City's Self-Insurance Fund is not responsible for unexplained disappearance of City owned property.
• The City or the City's Self-Insurance Fund is not responsible for the loss, damage or unexplained disappearance of a City employee's personal property, unless it is proven to be used for work and is a requirement of employment.
• Only losses that would be covered (a covered event or covered cause of loss) under the City's Commercial Insurance Policy (whether or not the $1,000,000 deductible was breached), will be paid by the City's Self-Insurance Fund.
• Once the claim is electronically filed and received by the Bureau of Risk Management, you will receive a confirmation e-mail. This confirmation confirms receipt of the loss but DOES NOT constitute confirmation of a covered claim. Incomplete or untimely receipt of required photos, estimates, paid invoices, or any other documentation requested by the Bureau of Risk Management may result in the claim being denied. 

Once the claim is electronically filed and received by the Bureau of Risk Management, you will receive a confirmation e-mail. This confirmation confirms receipt of the loss but DOES NOT constitute confirmation of a covered claim. Incomplete or untimely receipt of required photos, estimates, paid invoices, or any other documentation requested by the Bureau of Risk Management may result in the claim being denied.

Please contact the Bureau of Risk Management at 410-396-4311 if you have any questions or concerns regarding the claims filing process. You can also refer to Administrative Manual AM-505-1-1 for additional information regarding the Procedures for Property Claims filing.

Please note: Damage to non-city property, such as a resident’s home or automobile, MUST be reported in person or by certified mail to the Central Bureau of Investigation (CBI) located at 7 E. Redwood Street, 6th Floor Baltimore, MD 21202.