Household insurance claim

Report the loss to Seesam immediately after the occurrence of the insured event. A loss adjustment form can be completed directly on the Seesam homepage, by calling the contact telephone 628 1700, or by writing to From the menu selection below you will also find information about how to act following the occurrence of an insured event.

General requirements in the case of a property insurance loss event
  • Try to limit any further loss and asset damage. Save what can be saved!
  • Notify Seesam about what happened as soon as possible and follow the instructions provided by Seesam.
  • Fill in the Household Property Insurance Loss Adjustment Form,  append a list of damaged property and a letter of explanation describing what happened. Preserve the remains of the assets for which you are seeking indemnification.
  • Keep the remains of the types of assets or which you are looking to receive an indemnity.
  • Preserve the scene of damage in an untouched state until a representative from Seesam has inspected it.


  • If necessary, evacuate the people or administer first aid to the casualty or casualties.
  • Start fighting the fire with the basic fire extinguishing equipment.
  • If you are unable to gain control of the fire, call the fire department. To do so, call the emergency centre at the emergency number 112.
  • Guide the firefighters and help them to quickly find the location of the fire.

Break-in, robbery, vandalism

  • Notify the police of the incident. To do so, call 112.

Water damage

  • Shut off water.
  • If you are unable to do so, call for assistance. Call the building’s custodian, their emergency team, or call a 24 hour plumber.
  • If it is possible that the water damage may reach a neighbour, then notify that neighbour.
  • Immediately begin clean-up and drying works and protect your assets from any further possible damage (more to another room, cover with plastic, etc.).

Liability insurance

  • Immediately notify Seesam about the damage - as soon as you have reason to believe that you have caused damage to a third party.
  • Fix the circumstances surrounding the damage (take pictures, copy down the contact information or explanations of witnesses).
  • Work with Seesam in determining the amount of loss and assessing the liability of the policyholder.
  • Remember that without Seesam’s approval any promises or agreements are not binding upon Seesam.


Insurance is provided by Compensa Vienna Insurance Group, ADB Estonian Branch, which operates under the Seesam trademark in Estonia. Before concluding policies, please read the terms and conditions at and consult an expert if needed.
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